Bank of Commerce and Trust Company

Bank of Commerce and Trust Company is headquartered in Wellington and is the 209^th largest bank in the state of Kansas. It is also the 6,256^th largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 15 employees at 2 locations. Bank of Commerce and Trust Company has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bank of Commerce and Trust Company FDIC Certificate # 4796 BankRate Report View Year Established 1906 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $53.79 million Loans $25.02 million Deposits $48.02 million Equity Capital $4.65 million Loan Loss Allowance $410,000 Unbacked Noncurrent Loans $348,000 Real Estate Owned $729,000 Historic Data - December 2010 Assets $48.62 million Equity Capital $3.74 million Loan Loss Allowance $320,000 Unbacked Noncurrent Loans $375,000 Profit Margin - Quarterly Net Interest Margin 3.52% Return on Assets 0.74% Return on Equity 8.77% Interest Income $2.07 million

Institution Health Overall Score: 3 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 Bank of Commerce and Trust Company had $1.08 million in non-current loans and owned real-estate with $5.06 million in equity and loan loss allowances on hand to cover it. This gives Bank of Commerce and Trust Company a Texas Ratio of 21.30% 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 Bank of Commerce and Trust Company increased slightly from 9.39% as of December 31, 2010 to 21.30% as of December 31, 2011, resulting in a negative change of 126.94%. This indicates that the balance sheet and financial strength for Bank of Commerce and Trust Company has declined slightly in recent periods. Deposit Growth In the past year, Bank of Commerce and Trust Company has increased its total deposits by $4.92 million, resulting in 11.4% 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 Bank of Commerce and Trust Company 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. Bank of Commerce and Trust Company has $53.79 million in assets with $5.06 million in equity, resulting in a capitalization level of 9.40%, which is average.

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