Chetopa State Bank & Trust Co.

Chetopa State Bank & Trust Co. is headquartered in Chetopa and is the 271^st largest bank in the state of Kansas. It is also the 6,977^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 7 employees at 1 location. Chetopa State Bank & Trust Co. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Chetopa State Bank & Trust Co. FDIC Certificate # 13956 BankRate Report View Year Established 1901 Employees 7 Primary Regulator FED Assets and Liabilities Assets $28.92 million Loans $14.76 million Deposits $26.14 million Equity Capital $2.69 million Loan Loss Allowance $260,000 Real Estate Owned $107,000 Historic Data - March 2011 Assets $28.85 million Equity Capital $2.47 million Loan Loss Allowance $265,000 Real Estate Owned $139,000 Profit Margin - Quarterly Net Interest Margin 3.29% Return on Assets 1.22% Return on Equity 13.19% Interest Income $270,000

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 March 31, 2012 Chetopa State Bank & Trust Co. had $107,000 in non-current loans and owned real-estate with $2.95 million in equity and loan loss allowances on hand to cover it. This gives Chetopa State Bank & Trust Co. a Texas Ratio of 3.62% 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 Chetopa State Bank & Trust Co. decreased slightly from 5.08% as of March 31, 2011 to 3.62% as of March 31, 2012, resulting in a positive change of 28.65%.This indicates that the balance sheet and financial strength for Chetopa State Bank & Trust Co. has improved slightly in recent periods. Deposit Growth In the past year, Chetopa State Bank & Trust Co. has decreased its total deposits by $-178,000, resulting in -0.68% 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 Chetopa State Bank & Trust Co. has shown is 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. Chetopa State Bank & Trust Co. has $28.92 million in assets with $2.95 million in equity, resulting in a capitalization level of 10.21%, which is above average.

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