Almena State Bank

Almena State Bank is headquartered in Almena and is the 279^th largest bank in the state of Kansas. It is also the 7,128^th largest bank in the nation. It was established in 1934 and as of December of 2011, it had grown to 11 employees at 2 locations. Almena State Bank has a 5-star health rating.

Almena State Bank Routing Number: 101104685

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Data for Q4 2011

Institution Statistics Almena State Bank FDIC Certificate # 15426 BankRate Report View Year Established 1934 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $23.78 million Loans $18.99 million Deposits $21.92 million Equity Capital $1.84 million Loan Loss Allowance $243,000 Unbacked Noncurrent Loans $23,000 Real Estate Owned $10,000 Historic Data - December 2010 Assets $21.56 million Equity Capital $1.59 million Loan Loss Allowance $241,000 Unbacked Noncurrent Loans $37,000 Profit Margin - Quarterly Net Interest Margin 5.93% Return on Assets 1.36% Return on Equity 17.45% Interest Income $1.32 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 December 31, 2011 Almena State Bank had $33,000 in non-current loans and owned real-estate with $2.08 million in equity and loan loss allowances on hand to cover it. This gives Almena State Bank a Texas Ratio of 1.59% 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 Almena State Bank decreased slightly from 2.02% as of December 31, 2010 to 1.59% as of December 31, 2011, resulting in a positive change of 21.32%.This indicates that the balance sheet and financial strength for Almena State Bank has improved slightly in recent periods. Deposit Growth In the past year, Almena State Bank has increased its total deposits by $1.98 million, resulting in 9.96% 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 Almena 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. Almena State Bank has $23.78 million in assets with $2.08 million in equity, resulting in a capitalization level of 8.74%, which is average.

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