Wahoo State Bank

Wahoo State Bank is headquartered in Wahoo and is the 123^rd largest bank in the state of Nebraska. It is also the 5,891^st largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 16 employees at 2 locations. Wahoo State Bank's savings rates are 2X the national average, and it has a 4-star health rating.

Wahoo State Bank Routing Number: 104913255

Wahoo State Bank Checking Account Rates

Wahoo State Bank Savings Account Rates

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Wahoo State Bank CD Rates

Data for Q1 2012

Institution Statistics Wahoo State Bank FDIC Certificate # 1163 BankRate Report View Year Established 1932 Employees 16 Primary Regulator FED Assets and Liabilities Assets $65.87 million Loans $42.19 million Deposits $53.71 million Equity Capital $4.82 million Loan Loss Allowance $508,000 Unbacked Noncurrent Loans $556,000 Real Estate Owned $436,000 Historic Data - March 2011 Assets $61.02 million Equity Capital $4.40 million Loan Loss Allowance $628,000 Unbacked Noncurrent Loans $360,000 Real Estate Owned $436,000 Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 0.87% Return on Equity 11.68% Interest Income $666,000

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 Wahoo State Bank had $992,000 in non-current loans and owned real-estate with $5.33 million in equity and loan loss allowances on hand to cover it. This gives Wahoo State Bank a Texas Ratio of 18.62% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Wahoo State Bank held steady from 15.84% as of March 31, 2011 to 18.62% as of March 31, 2012, resulting in a negative change of 17.54%. This indicates that the balance sheet and financial strength for Wahoo State Bank has held steady in recent periods. Deposit Growth In the past year, Wahoo State Bank has increased its total deposits by $2.94 million, resulting in 5.8% 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 Wahoo 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. Wahoo State Bank has $65.87 million in assets with $5.33 million in equity, resulting in a capitalization level of 8.09%, which is average.

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