Bison State Bank

Bison State Bank is headquartered in Bison and is the 309^th largest bank in the state of Kansas. It is also the 7,323^rd largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 4 employees at 1 location. Bison State Bank has a 4-star health rating.

Bison State Bank Routing Number: 101107475

Data for Q4 2011

Institution Statistics Bison State Bank FDIC Certificate # 14083 BankRate Report View Year Established 1901 Employees 4 Primary Regulator FDIC Assets and Liabilities Assets $10.08 million Loans $3.90 million Deposits $9.00 million Equity Capital $1.05 million Loan Loss Allowance $198,000 Unbacked Noncurrent Loans $171,000 Historic Data - December 2010 Assets $9.88 million Equity Capital $995,000 Loan Loss Allowance $213,000 Unbacked Noncurrent Loans $79,000 Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 0.17% Return on Equity 1.66% Interest Income $350,000

Institution Health Overall Score: 4 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 Bison State Bank had $171,000 in non-current loans and owned real-estate with $1.25 million in equity and loan loss allowances on hand to cover it. This gives Bison State Bank a Texas Ratio of 13.70% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bison State Bank increased slightly from 6.54% as of December 31, 2010 to 13.70% as of December 31, 2011, resulting in a negative change of 109.52%. This indicates that the balance sheet and financial strength for Bison State Bank has declined slightly in recent periods. Deposit Growth In the past year, Bison State Bank has increased its total deposits by $161,000, resulting in 1.82% 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 Bison State Bank 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. Bison State Bank has $10.08 million in assets with $1.25 million in equity, resulting in a capitalization level of 12.38%, which is excellent.

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