Conway Bank, National Association

Conway Bank, National Association is headquartered in Conway Springs and is the 164^th largest bank in the state of Kansas. It is also the 5,561^st largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 29 employees at 4 locations. Conway Bank, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Conway Bank, National Association FDIC Certificate # 4649 BankRate Report View Year Established 1886 Employees 29 Primary Regulator OCC Assets and Liabilities Assets $77.47 million Loans $34.80 million Deposits $66.96 million Equity Capital $8.88 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $1.84 million Real Estate Owned $1.00 million Historic Data - March 2011 Assets $76.83 million Equity Capital $9.49 million Loan Loss Allowance $1.88 million Unbacked Noncurrent Loans $3.54 million Real Estate Owned $379,000 Profit Margin - Quarterly Net Interest Margin 2.75% Return on Assets -0.69% Return on Equity -5.77% Interest Income $602,000

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 Conway Bank, National Association had $2.85 million in non-current loans and owned real-estate with $10.59 million in equity and loan loss allowances on hand to cover it. This gives Conway Bank, National Association a Texas Ratio of 26.89% 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 Conway Bank, National Association decreased slightly from 34.52% as of March 31, 2011 to 26.89% as of March 31, 2012, resulting in a positive change of 22.10%.This indicates that the balance sheet and financial strength for Conway Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Conway Bank, National Association has increased its total deposits by $4.26 million, resulting in 6.8% 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 Conway Bank, National Association has shown is excellent. 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. Conway Bank, National Association has $77.47 million in assets with $10.59 million in equity, resulting in a capitalization level of 13.67%, which is excellent.

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