The Tilden Bank

The Tilden Bank is headquartered in Tilden and is the 111^st largest bank in the state of Nebraska. It is also the 5,572^nd largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 23 employees at 3 locations. The Tilden Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Tilden Bank FDIC Certificate # 15774 BankRate Report View Year Established 1887 Employees 23 Primary Regulator FED Assets and Liabilities Assets $77.14 million Loans $58.49 million Deposits $66.69 million Equity Capital $7.21 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $1.00 million Real Estate Owned $127,000 Historic Data - March 2011 Assets $68.78 million Equity Capital $5.74 million Loan Loss Allowance $609,000 Unbacked Noncurrent Loans $857,000 Real Estate Owned $173,000 Profit Margin - Quarterly Net Interest Margin 5.05% Return on Assets 1.24% Return on Equity 14.29% Interest Income $1.03 million

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 Tilden Bank had $1.13 million in non-current loans and owned real-estate with $8.55 million in equity and loan loss allowances on hand to cover it. This gives The Tilden Bank a Texas Ratio of 13.19% 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 Tilden Bank decreased slightly from 16.22% as of March 31, 2011 to 13.19% as of March 31, 2012, resulting in a positive change of 18.67%.This indicates that the balance sheet and financial strength for The Tilden Bank has improved slightly in recent periods. Deposit Growth In the past year, The Tilden Bank has increased its total deposits by $6.91 million, resulting in 11.57% 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 Tilden 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 Tilden Bank has $77.14 million in assets with $8.55 million in equity, resulting in a capitalization level of 11.09%, which is above average.

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