The Hershey State Bank

The Hershey State Bank is headquartered in Hershey and is the 141^st largest bank in the state of Nebraska. It is also the 6,329^th largest bank in the nation. It was established in 1968 and as of March of 2012, it had grown to 14 employees at 2 locations. The Hershey State Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

The Hershey State Bank Checking Account Rates

The Hershey State Bank Savings Account Rates

The Hershey State Bank Money Market Rates

The Hershey State Bank CD Rates

Data for Q1 2012

Institution Statistics The Hershey State Bank FDIC Certificate # 19809 BankRate Report View Year Established 1968 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $51.68 million Loans $42.03 million Deposits $43.80 million Equity Capital $7.62 million Loan Loss Allowance $1.13 million Unbacked Noncurrent Loans $132,000 Real Estate Owned $82,000 Historic Data - March 2011 Assets $47.81 million Equity Capital $7.16 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $319,000 Real Estate Owned $236,000 Profit Margin - Quarterly Net Interest Margin 5.74% Return on Assets 2% Return on Equity 13.29% Interest Income $770,000

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 The Hershey State Bank had $214,000 in non-current loans and owned real-estate with $8.75 million in equity and loan loss allowances on hand to cover it. This gives The Hershey State Bank a Texas Ratio of 2.45% 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 The Hershey State Bank decreased significantly from 6.78% as of March 31, 2011 to 2.45% as of March 31, 2012, resulting in a positive change of 63.91%.This indicates that the balance sheet and financial strength for The Hershey State Bank has improved significantly in recent periods. Deposit Growth In the past year, The Hershey State Bank has increased its total deposits by $3.57 million, resulting in 8.87% 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 Hershey State Bank 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 Hershey State Bank has $51.68 million in assets with $8.75 million in equity, resulting in a capitalization level of 16.93%, which is excellent.

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