Pathway Bank

Pathway Bank is headquartered in Cairo and is the 67^th largest bank in the state of Nebraska. It is also the 3,955^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 49 employees at 4 locations. Pathway Bank has a 3-star health rating.

Pathway Bank Routing Number: 104913190

Data for Q1 2012

Institution Statistics Pathway Bank FDIC Certificate # 1992 BankRate Report View Year Established 1910 Employees 49 Primary Regulator FDIC Assets and Liabilities Assets $145.50 million Loans $92.42 million Deposits $122.05 million Equity Capital $16.16 million Loan Loss Allowance $2.43 million Unbacked Noncurrent Loans $1.91 million Real Estate Owned $1.45 million Historic Data - March 2011 Assets $149.25 million Equity Capital $15.15 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $2.31 million Real Estate Owned $1.18 million Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 0.25% Return on Equity 2.19% Interest Income $1.47 million

Institution Health Overall Score: 3 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Pathway Bank had $3.36 million in non-current loans and owned real-estate with $18.59 million in equity and loan loss allowances on hand to cover it. This gives Pathway Bank a Texas Ratio of 18.06% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pathway Bank held steady from 20.58% as of March 31, 2011 to 18.06% as of March 31, 2012, resulting in a positive change of 12.23%.This indicates that the balance sheet and financial strength for Pathway Bank has held steady in recent periods. Deposit Growth In the past year, Pathway Bank has decreased its total deposits by -$2.54 million, resulting in -2.04% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pathway Bank has shown is below average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pathway Bank has $145.5 million in assets with $18.59 million in equity, resulting in a capitalization level of 12.78%, which is excellent.

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