Cornerstone Bank (KS)

Cornerstone Bank (KS) is headquartered in Overland Park and is the 75^th largest bank in the state of Kansas. It is also the 3,425^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 21 employees at 2 locations. Cornerstone Bank (KS) has a 2-star health rating.

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Data for Q1 2012

Institution Statistics Cornerstone Bank FDIC Certificate # 57250 BankRate Report View Year Established 2001 Employees 21 Primary Regulator FED Assets and Liabilities Assets $177.65 million Loans $112.03 million Deposits $109.94 million Equity Capital $14.67 million Loan Loss Allowance $5.63 million Unbacked Noncurrent Loans $7.41 million Real Estate Owned $16.08 million Historic Data - March 2011 Assets $202.27 million Equity Capital $14.27 million Loan Loss Allowance $8.00 million Unbacked Noncurrent Loans $17.20 million Real Estate Owned $13.30 million Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 0.21% Return on Equity 2.63% Interest Income $1.87 million

Institution Health Overall Score: 2 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 Cornerstone Bank (KS) had $23.49 million in non-current loans and owned real-estate with $20.3 million in equity and loan loss allowances on hand to cover it. This gives Cornerstone Bank (KS) a Texas Ratio of 115.74% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cornerstone Bank (KS) held steady from 133.66% as of March 31, 2011 to 115.74% as of March 31, 2012, resulting in a positive change of 13.41%.This indicates that the balance sheet and financial strength for Cornerstone Bank (KS) has held steady in recent periods. Deposit Growth In the past year, Cornerstone Bank (KS) has decreased its total deposits by -$25.74 million, resulting in -18.97% 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 Cornerstone Bank (KS) has shown is poor. 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. Cornerstone Bank (KS) has $177.65 million in assets with $20.3 million in equity, resulting in a capitalization level of 11.43%, which is above average.

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