Cornerbank, National Association

Cornerbank, National Association is headquartered in Winfield and is the 45^th largest bank in the state of Kansas. It is also the 2,357^th largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 90 employees at 10 locations. Cornerbank, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Cornerbank, National Association FDIC Certificate # 4803 BankRate Report View Year Established 1872 Employees 90 Primary Regulator OCC Assets and Liabilities Assets $274.17 million Loans $117.03 million Deposits $216.65 million Equity Capital $25.64 million Loan Loss Allowance $2.00 million Unbacked Noncurrent Loans $1.74 million Real Estate Owned $4.94 million Historic Data - March 2011 Assets $230.88 million Equity Capital $23.00 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $2.16 million Real Estate Owned $6.21 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.49% Return on Equity 5.32% Interest Income $2.52 million

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 Cornerbank, National Association had $6.67 million in non-current loans and owned real-estate with $27.65 million in equity and loan loss allowances on hand to cover it. This gives Cornerbank, National Association a Texas Ratio of 24.14% 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 Cornerbank, National Association decreased slightly from 33.30% as of March 31, 2011 to 24.14% as of March 31, 2012, resulting in a positive change of 27.52%.This indicates that the balance sheet and financial strength for Cornerbank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Cornerbank, National Association has increased its total deposits by $32.1 million, resulting in 17.39% 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 Cornerbank, 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. Cornerbank, National Association has $274.17 million in assets with $27.65 million in equity, resulting in a capitalization level of 10.08%, which is above average.

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