Bank of Hays

Bank of Hays is headquartered in Hays and is the 66^th largest bank in the state of Kansas. It is also the 3,207^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 30 employees at 3 locations. Bank of Hays has a 5-star health rating.

Bank of Hays Routing Number: 101108571

Data for Q4 2011

Institution Statistics Bank of Hays FDIC Certificate # 17769 BankRate Report View Year Established 1907 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $191.06 million Loans $102.87 million Deposits $159.06 million Equity Capital $14.98 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $117,000 Historic Data - December 2010 Assets $181.17 million Equity Capital $13.36 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $202,000 Profit Margin - Quarterly Net Interest Margin 3.34% Return on Assets 0.98% Return on Equity 12.89% Interest Income $7.43 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 Bank of Hays had $117,000 in non-current loans and owned real-estate with $16.4 million in equity and loan loss allowances on hand to cover it. This gives Bank of Hays a Texas Ratio of 0.71% 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 Bank of Hays decreased significantly from 1.21% as of December 31, 2010 to 0.71% as of December 31, 2011, resulting in a positive change of 41.11%.This indicates that the balance sheet and financial strength for Bank of Hays has improved significantly in recent periods. Deposit Growth In the past year, Bank of Hays has increased its total deposits by $8.78 million, resulting in 5.84% 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 Hays 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 Hays has $191.06 million in assets with $16.4 million in equity, resulting in a capitalization level of 8.58%, which is average.

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