The Murray State Bank

The Murray State Bank is headquartered in Murray and is the 155^th largest bank in the state of Nebraska. It is also the 6,504^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 8 employees at 1 location. The Murray State Bank's savings rates are 92% higher than the national average, and it has a 4-star health rating.

The Murray State Bank Checking Account Rates

The Murray State Bank Savings Account Rates

The Murray State Bank CD Rates

Data for Q1 2012

Institution Statistics The Murray State Bank FDIC Certificate # 10653 BankRate Report View Year Established 1900 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $45.29 million Loans $29.12 million Deposits $34.92 million Equity Capital $7.40 million Loan Loss Allowance $259,000 Unbacked Noncurrent Loans $79,000 Real Estate Owned $753,000 Historic Data - March 2011 Assets $45.05 million Equity Capital $7.08 million Loan Loss Allowance $259,000 Unbacked Noncurrent Loans $75,000 Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.5% Return on Equity 3.15% Interest Income $482,000

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 Murray State Bank had $832,000 in non-current loans and owned real-estate with $7.66 million in equity and loan loss allowances on hand to cover it. This gives The Murray State Bank a Texas Ratio of 10.86% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Murray State Bank increased slightly from 1.02% as of March 31, 2011 to 10.86% as of March 31, 2012, resulting in a negative change of 963.27%. This indicates that the balance sheet and financial strength for The Murray State Bank has declined slightly in recent periods. Deposit Growth In the past year, The Murray State Bank has increased its total deposits by $622,000, resulting in 1.81% 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 Murray State Bank 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. The Murray State Bank has $45.29 million in assets with $7.66 million in equity, resulting in a capitalization level of 16.91%, which is excellent.

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