The Potter State Bank of Potter

The Potter State Bank of Potter is headquartered in Potter and is the 176^th largest bank in the state of Nebraska. It is also the 6,844^th largest bank in the nation. It was established in 1945 and as of March of 2012, it had grown to 10 employees at 2 locations. The Potter State Bank of Potter has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Potter State Bank of Potter FDIC Certificate # 17205 BankRate Report View Year Established 1945 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $33.89 million Loans $11.92 million Deposits $29.93 million Equity Capital $3.73 million Loan Loss Allowance $204,000 Real Estate Owned $213,000 Historic Data - March 2011 Assets $28.00 million Equity Capital $3.52 million Loan Loss Allowance $203,000 Real Estate Owned $247,000 Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.36% Return on Equity 3.12% Interest Income $297,000

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 Potter State Bank of Potter had $213,000 in non-current loans and owned real-estate with $3.93 million in equity and loan loss allowances on hand to cover it. This gives The Potter State Bank of Potter a Texas Ratio of 5.42% 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 Potter State Bank of Potter decreased slightly from 6.64% as of March 31, 2011 to 5.42% as of March 31, 2012, resulting in a positive change of 18.39%.This indicates that the balance sheet and financial strength for The Potter State Bank of Potter has improved slightly in recent periods. Deposit Growth In the past year, The Potter State Bank of Potter has increased its total deposits by $5.72 million, resulting in 23.61% 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 Potter State Bank of Potter 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 Potter State Bank of Potter has $33.89 million in assets with $3.93 million in equity, resulting in a capitalization level of 11.60%, which is above average.

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