World's Foremost Bank

World's Foremost Bank is headquartered in Sidney and is the 4^th largest bank in the state of Nebraska. It is also the 234^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 341 employees at 1 location. World's Foremost Bank has a 5-star health rating.

World's Foremost Bank CD Rates

Data for Q1 2012

Institution Statistics World's Foremost Bank FDIC Certificate # 57079 BankRate Report View Year Established 2001 Employees 341 Primary Regulator FDIC Assets and Liabilities Assets $3.14 billion Loans $2.93 billion Deposits $1.02 billion Equity Capital $365.20 million Loan Loss Allowance $67.05 million Unbacked Noncurrent Loans $13.84 million Historic Data - March 2011 Assets $2.80 billion Equity Capital $319.81 million Loan Loss Allowance $82.80 million Unbacked Noncurrent Loans $14.89 million Profit Margin - Quarterly Net Interest Margin 7.74% Return on Assets 2.25% Return on Equity 20.55% Interest Income $73.11 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 World's Foremost Bank had $13.84 million in non-current loans and owned real-estate with $432.25 million in equity and loan loss allowances on hand to cover it. This gives World's Foremost Bank a Texas Ratio of 3.20% 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 World's Foremost Bank held steady from 3.70% as of March 31, 2011 to 3.20% as of March 31, 2012, resulting in a positive change of 13.41%.This indicates that the balance sheet and financial strength for World's Foremost Bank has held steady in recent periods. Deposit Growth In the past year, World's Foremost Bank has increased its total deposits by $234.55 million, resulting in 29.7% 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 World's Foremost 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. World's Foremost Bank has $3.14 billion in assets with $432.25 million in equity, resulting in a capitalization level of 13.76%, which is excellent.

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