Bank of Palmer

Bank of Palmer is headquartered in Palmer and is the 239^th largest bank in the state of Kansas. It is also the 6,717^st largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 8 employees at 2 locations. Bank of Palmer has a 5-star health rating.

Bank of Palmer Routing Number: 101109813

Data for Q4 2011

Institution Statistics Bank of Palmer FDIC Certificate # 13710 BankRate Report View Year Established 1887 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $39.50 million Loans $24.00 million Deposits $33.91 million Equity Capital $3.62 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $239,000 Historic Data - December 2010 Assets $37.89 million Equity Capital $2.94 million Loan Loss Allowance $274,000 Unbacked Noncurrent Loans $323,000 Profit Margin - Quarterly Net Interest Margin 2.91% Return on Assets 0.66% Return on Equity 7.79% Interest Income $1.80 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 Palmer had $239,000 in non-current loans and owned real-estate with $3.9 million in equity and loan loss allowances on hand to cover it. This gives Bank of Palmer a Texas Ratio of 6.12% 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 Palmer decreased slightly from 10.06% as of December 31, 2010 to 6.12% as of December 31, 2011, resulting in a positive change of 39.16%.This indicates that the balance sheet and financial strength for Bank of Palmer has improved slightly in recent periods. Deposit Growth In the past year, Bank of Palmer has increased its total deposits by $1.22 million, resulting in 3.72% 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 Palmer 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. Bank of Palmer has $39.5 million in assets with $3.9 million in equity, resulting in a capitalization level of 9.89%, which is average.

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