The State Bank of Bartley

The State Bank of Bartley is headquartered in Bartley and is the 115^st largest bank in the state of Nebraska. It is also the 5,661^st largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 15 employees at 2 locations. The State Bank of Bartley has a 4-star health rating.

Data for Q1 2012

Institution Statistics The State Bank of Bartley FDIC Certificate # 8321 BankRate Report View Year Established 1897 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $74.02 million Loans $56.93 million Deposits $62.53 million Equity Capital $6.98 million Loan Loss Allowance $576,000 Unbacked Noncurrent Loans $1.08 million Historic Data - March 2011 Assets $69.24 million Equity Capital $6.69 million Loan Loss Allowance $517,000 Unbacked Noncurrent Loans $130,000 Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 1.74% Return on Equity 18.14% Interest Income $872,000

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 State Bank of Bartley had $1.08 million in non-current loans and owned real-estate with $7.56 million in equity and loan loss allowances on hand to cover it. This gives The State Bank of Bartley a Texas Ratio of 14.29% 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 State Bank of Bartley increased slightly from 1.80% as of March 31, 2011 to 14.29% as of March 31, 2012, resulting in a negative change of 691.75%. This indicates that the balance sheet and financial strength for The State Bank of Bartley has declined slightly in recent periods. Deposit Growth In the past year, The State Bank of Bartley has increased its total deposits by $4.36 million, resulting in 7.49% 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 State Bank of Bartley 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 State Bank of Bartley has $74.02 million in assets with $7.56 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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