Community Bank of Wichita, Inc.

Community Bank of Wichita, Inc. is headquartered in Wichita and is the 195^th largest bank in the state of Kansas. It is also the 5,988^th largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 21 employees at 2 locations. Community Bank of Wichita, Inc. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Community Bank of Wichita, Inc. FDIC Certificate # 35118 BankRate Report View Year Established 1999 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $62.98 million Loans $43.83 million Deposits $53.27 million Equity Capital $6.27 million Loan Loss Allowance $530,000 Unbacked Noncurrent Loans $294,000 Real Estate Owned $259,000 Historic Data - March 2011 Assets $60.52 million Equity Capital $5.70 million Loan Loss Allowance $461,000 Unbacked Noncurrent Loans $46,000 Profit Margin - Quarterly Net Interest Margin 4.93% Return on Assets 1.07% Return on Equity 10.74% Interest Income $816,000

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 March 31, 2012 Community Bank of Wichita, Inc. had $553,000 in non-current loans and owned real-estate with $6.8 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Wichita, Inc. a Texas Ratio of 8.13% 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 Community Bank of Wichita, Inc. increased slightly from 0.75% as of March 31, 2011 to 8.13% as of March 31, 2012, resulting in a negative change of 988.83%. This indicates that the balance sheet and financial strength for Community Bank of Wichita, Inc. has declined slightly in recent periods. Deposit Growth In the past year, Community Bank of Wichita, Inc. has increased its total deposits by $2.16 million, resulting in 4.24% 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 Community Bank of Wichita, Inc. 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. Community Bank of Wichita, Inc. has $62.98 million in assets with $6.8 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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