State Bank of Colon

State Bank of Colon is headquartered in Colon and is the 208^th largest bank in the state of Nebraska. It is also the 7,209^th largest bank in the nation. It was established in 1899 and as of March of 2012, it had grown to 5 employees at 1 location. State Bank of Colon has a 2-star health rating.

State Bank of Colon Routing Number: 104906880

Data for Q1 2012

Institution Statistics State Bank of Colon FDIC Certificate # 8323 BankRate Report View Year Established 1899 Employees 5 Primary Regulator FDIC Assets and Liabilities Assets $16.93 million Loans $7.79 million Deposits $15.61 million Equity Capital $420,000 Loan Loss Allowance $148,000 Unbacked Noncurrent Loans $234,000 Historic Data - March 2011 Assets $18.08 million Equity Capital $1.93 million Loan Loss Allowance $148,000 Unbacked Noncurrent Loans $133,000 Profit Margin - Quarterly Net Interest Margin 2.93% Return on Assets 0.57% Return on Equity 8.28% Interest Income $145,000

Institution Health Overall Score: 2 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 State Bank of Colon had $234,000 in non-current loans and owned real-estate with $568,000 in equity and loan loss allowances on hand to cover it. This gives State Bank of Colon a Texas Ratio of 41.20% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Colon increased slightly from 6.40% as of March 31, 2011 to 41.20% as of March 31, 2012, resulting in a negative change of 543.67%. This indicates that the balance sheet and financial strength for State Bank of Colon has declined slightly in recent periods. Deposit Growth In the past year, State Bank of Colon has increased its total deposits by $265,000, resulting in 1.73% 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 State Bank of Colon has shown is above 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. State Bank of Colon has $16.93 million in assets with $568,000 in equity, resulting in a capitalization level of 3.35%, which is poor.

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