Brotherhood Bank & Trust

Brotherhood Bank & Trust is headquartered in Kansas City and is the 22^nd largest bank in the state of Kansas. It is also the 1,311^st largest bank in the nation. It was established in 1924 and as of December of 2011, it had grown to 132 employees at 8 locations. Brotherhood Bank & Trust has a 3-star health rating.

Data for Q4 2011

Institution Statistics Brotherhood Bank & Trust FDIC Certificate # 1874 BankRate Report View Year Established 1924 Employees 132 Primary Regulator FDIC Assets and Liabilities Assets $517.00 million Loans $204.74 million Deposits $359.15 million Equity Capital $65.44 million Loan Loss Allowance $4.33 million Unbacked Noncurrent Loans $9.89 million Real Estate Owned $6.42 million Historic Data - December 2010 Assets $505.96 million Equity Capital $52.58 million Loan Loss Allowance $7.61 million Unbacked Noncurrent Loans $8.61 million Real Estate Owned $7.80 million Profit Margin - Quarterly Net Interest Margin 3.94% Return on Assets 0.56% Return on Equity 4.89% Interest Income $22.99 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 Brotherhood Bank & Trust had $16.32 million in non-current loans and owned real-estate with $69.77 million in equity and loan loss allowances on hand to cover it. This gives Brotherhood Bank & Trust a Texas Ratio of 23.38% 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 Brotherhood Bank & Trust held steady from 27.27% as of December 31, 2010 to 23.38% as of December 31, 2011, resulting in a positive change of 14.25%.This indicates that the balance sheet and financial strength for Brotherhood Bank & Trust has held steady in recent periods. Deposit Growth In the past year, Brotherhood Bank & Trust has decreased its total deposits by -$5.96 million, resulting in -1.63% 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 Brotherhood Bank & Trust has shown is below 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. Brotherhood Bank & Trust has $517 million in assets with $69.77 million in equity, resulting in a capitalization level of 13.50%, which is excellent.

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