Alliant Bank (KS)

Alliant Bank (KS) is headquartered in Sedgwick and is the 300^th largest bank in the state of Kansas. It is also the 7,289^th largest bank in the nation. It was established in 1894 and as of December of 2011, it had grown to 6 employees at 1 location. Alliant Bank (KS) has a 2-star health rating.

Data for Q4 2011

Institution Statistics Alliant Bank FDIC Certificate # 15083 BankRate Report View Year Established 1894 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $14.17 million Loans $5.09 million Deposits $13.47 million Equity Capital $362,000 Loan Loss Allowance $222,000 Unbacked Noncurrent Loans $302,000 Real Estate Owned $139,000 Historic Data - December 2010 Assets $13.99 million Equity Capital $496,000 Loan Loss Allowance $262,000 Unbacked Noncurrent Loans $12,000 Real Estate Owned $586,000 Profit Margin - Quarterly Net Interest Margin 3.86% Return on Assets -1.37% Return on Equity -53.37% Interest Income $505,000

Institution Health Overall Score: 2 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 December 31, 2011 Alliant Bank (KS) had $441,000 in non-current loans and owned real-estate with $584,000 in equity and loan loss allowances on hand to cover it. This gives Alliant Bank (KS) a Texas Ratio of 75.51% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alliant Bank (KS) held steady from 78.89% as of December 31, 2010 to 75.51% as of December 31, 2011, resulting in a positive change of 4.28%.This indicates that the balance sheet and financial strength for Alliant Bank (KS) has held steady in recent periods. Deposit Growth In the past year, Alliant Bank (KS) has increased its total deposits by $293,000, resulting in 2.22% 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 Alliant Bank (KS) has shown is above average. 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. Alliant Bank (KS) has $14.17 million in assets with $584,000 in equity, resulting in a capitalization level of 4.12%, which is poor.

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