Security Nat'l Bank of Laurel

Security Nat'l Bank of Laurel is headquartered in Laurel and is the 64^th largest bank in the state of Nebraska. It is also the 3,852^nd largest bank in the nation. It was established in 1928 and as of September of 2011, it had grown to 45 employees at 5 locations. Security Nat'l Bank of Laurel's savings rates are 2X the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Security National Bank FDIC Certificate # 5424 BankRate Report View Year Established 1928 Employees 45 Primary Regulator OCC Assets and Liabilities Assets $150.44 million Loans $93.10 million Deposits $131.78 million Equity Capital $17.75 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $370,000 Real Estate Owned $236,000 Historic Data - September 2010 Assets $139.95 million Equity Capital $16.17 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $2.60 million Real Estate Owned $173,000 Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 1.56% Return on Equity 13.45% Interest Income $5.59 million

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 September 30, 2011 Security Nat'l Bank of Laurel had $606,000 in non-current loans and owned real-estate with $19.58 million in equity and loan loss allowances on hand to cover it. This gives Security Nat'l Bank of Laurel a Texas Ratio of 3.10% 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 Security Nat'l Bank of Laurel decreased significantly from 15.32% as of September 30, 2010 to 3.10% as of September 30, 2011, resulting in a positive change of 79.80%.This indicates that the balance sheet and financial strength for Security Nat'l Bank of Laurel has improved significantly in recent periods. Deposit Growth In the past year, Security Nat'l Bank of Laurel has increased its total deposits by $8.94 million, resulting in 7.28% 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 Security Nat'l Bank of Laurel 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. Security Nat'l Bank of Laurel has $150.44 million in assets with $19.58 million in equity, resulting in a capitalization level of 13.01%, which is excellent.

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