Richardson County Bank & Trust Company

Richardson County Bank & Trust Company is headquartered in Falls City and is the 89^th largest bank in the state of Nebraska. It is also the 4,767^th largest bank in the nation. It was established in 1880 and as of March of 2012, it had grown to 19 employees at 2 locations. Richardson County Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Richardson County Bank & Trust Company FDIC Certificate # 8598 BankRate Report View Year Established 1880 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $107.61 million Loans $57.84 million Deposits $94.12 million Equity Capital $13.34 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $276,000 Historic Data - March 2011 Assets $102.09 million Equity Capital $6.76 million Loan Loss Allowance $969,000 Unbacked Noncurrent Loans $181,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 1.37% Return on Equity 10.74% Interest Income $963,000

Institution Health Overall Score: 5 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 Richardson County Bank & Trust Company had $276,000 in non-current loans and owned real-estate with $13.58 million in equity and loan loss allowances on hand to cover it. This gives Richardson County Bank & Trust Company a Texas Ratio of 2.03% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Richardson County Bank & Trust Company held steady from 2.30% as of March 31, 2011 to 2.03% as of March 31, 2012, resulting in a positive change of 11.74%.This indicates that the balance sheet and financial strength for Richardson County Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Richardson County Bank & Trust Company has increased its total deposits by $6.17 million, resulting in 7.02% 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 Richardson County Bank & Trust Company has shown is excellent. 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. Richardson County Bank & Trust Company has $107.61 million in assets with $13.58 million in equity, resulting in a capitalization level of 12.62%, which is excellent.

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