Institution Statistics
| BANKWEST OF KANSAS | | FDIC Certificate # | 10502 | | BankRate Report | View | | Year Established | 1929 | | Employees | 33 | | Primary Regulator | FED |
Assets and Liabilities | | Assets | $101.15 million | | Loans | $49.73 million | | Deposits | $83.83 million | | Equity Capital | $12.40 million | | Loan Loss Allowance | $340,000 | | Unbacked Noncurrent Loans | $70,000 | | Real Estate Owned | $104,000 |
Historic Data - December 2010 | | Assets | $96.93 million | | Equity Capital | $11.10 million | | Loan Loss Allowance | $369,000 | | Real Estate Owned | $136,000 |
Profit Margin - Quarterly | | Net Interest Margin | 3.92% | | Return on Assets | 0.9% | | Return on Equity | 7.52% | | Interest Income | $4.31 million |
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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 BANKWEST OF KANSAS had $174,000 in non-current loans and owned real-estate with $12.74 million in equity and loan loss allowances on hand to cover it. This gives BANKWEST OF KANSAS a Texas Ratio of 1.37% 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 BANKWEST OF KANSAS held steady from 1.19% as of December 31, 2010 to 1.37% as of December 31, 2011, resulting in a negative change of 15.13%. This indicates that the balance sheet and financial strength for BANKWEST OF KANSAS has held steady in recent periods. | | Deposit Growth | | | In the past year, BANKWEST OF KANSAS has increased its total deposits by $5 million, resulting in 6.34% 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 BANKWEST OF KANSAS 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. BANKWEST OF KANSAS has $101.15 million in assets with $12.74 million in equity, resulting in a capitalization level of 12.60%, which is excellent. |
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