The Cattle National Bank and Trust Company

The Cattle National Bank and Trust Company is headquartered in Seward and is the 51^st largest bank in the state of Nebraska. It is also the 3,031^st largest bank in the nation. It was established in 1873 and as of March of 2012, it had grown to 43 employees at 3 locations. The Cattle National Bank and Trust Company's savings rates are 92% higher than the national average, and it has a 4-star health rating.

The Cattle National Bank and Trust Company Checking Account Rates

The Cattle National Bank and Trust Company Savings Account Rates

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The Cattle National Bank and Trust Company IRA Rates

Data for Q1 2012

Institution Statistics The Cattle National Bank and Trust Company FDIC Certificate # 5472 BankRate Report View Year Established 1873 Employees 43 Primary Regulator OCC Assets and Liabilities Assets $207.19 million Loans $137.09 million Deposits $175.72 million Equity Capital $22.78 million Loan Loss Allowance $2.09 million Unbacked Noncurrent Loans $4.18 million Real Estate Owned $1.83 million Historic Data - March 2011 Assets $190.18 million Equity Capital $20.46 million Loan Loss Allowance $2.02 million Unbacked Noncurrent Loans $1.19 million Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.7% Return on Equity 15.37% Interest Income $2.14 million

Institution Health Overall Score: 4 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 The Cattle National Bank and Trust Company had $6.01 million in non-current loans and owned real-estate with $24.87 million in equity and loan loss allowances on hand to cover it. This gives The Cattle National Bank and Trust Company a Texas Ratio of 24.16% 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 The Cattle National Bank and Trust Company increased slightly from 5.31% as of March 31, 2011 to 24.16% as of March 31, 2012, resulting in a negative change of 354.72%. This indicates that the balance sheet and financial strength for The Cattle National Bank and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, The Cattle National Bank and Trust Company has increased its total deposits by $11.81 million, resulting in 7.21% 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 The Cattle National Bank and 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. The Cattle National Bank and Trust Company has $207.19 million in assets with $24.87 million in equity, resulting in a capitalization level of 12.00%, which is excellent.

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