Carson Bank

Carson Bank is headquartered in Mulvane and is the 146^th largest bank in the state of Kansas. It is also the 5,385^th largest bank in the nation. It was established in 1886 and as of December of 2011, it had grown to 36 employees at 4 locations. Carson Bank has a 3-star health rating.

Carson Bank Routing Number: 101103725

Data for Q4 2011

Institution Statistics Carson Bank FDIC Certificate # 17369 BankRate Report View Year Established 1886 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $83.53 million Loans $45.12 million Deposits $75.46 million Equity Capital $7.95 million Loan Loss Allowance $731,000 Unbacked Noncurrent Loans $1.08 million Real Estate Owned $557,000 Historic Data - December 2010 Assets $79.55 million Equity Capital $6.72 million Loan Loss Allowance $918,000 Unbacked Noncurrent Loans $754,000 Real Estate Owned $208,000 Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 0.31% Return on Equity 3.59% Interest Income $3.22 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 Carson Bank had $1.63 million in non-current loans and owned real-estate with $8.68 million in equity and loan loss allowances on hand to cover it. This gives Carson Bank a Texas Ratio of 18.80% 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 Carson Bank increased slightly from 12.60% as of December 31, 2010 to 18.80% as of December 31, 2011, resulting in a negative change of 49.21%. This indicates that the balance sheet and financial strength for Carson Bank has declined slightly in recent periods. Deposit Growth In the past year, Carson Bank has increased its total deposits by $2.77 million, resulting in 3.81% 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 Carson 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. Carson Bank has $83.53 million in assets with $8.68 million in equity, resulting in a capitalization level of 10.39%, which is above average.

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