Cottonwood Valley Bank

Cottonwood Valley Bank is headquartered in Cedar Point and is the 258^th largest bank in the state of Kansas. It is also the 6,869^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 7 employees at 5 locations. Cottonwood Valley Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Cottonwood Valley Bank FDIC Certificate # 17160 BankRate Report View Year Established 1914 Employees 7 Primary Regulator FED Assets and Liabilities Assets $33.07 million Loans $15.56 million Deposits $28.43 million Equity Capital $4.24 million Loan Loss Allowance $434,000 Unbacked Noncurrent Loans $690,000 Historic Data - March 2011 Assets $21.34 million Equity Capital $2.29 million Loan Loss Allowance $355,000 Unbacked Noncurrent Loans $147,000 Profit Margin - Quarterly Net Interest Margin 4.38% Return on Assets 1.2% Return on Equity 9.85% Interest Income $318,000

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 Cottonwood Valley Bank had $690,000 in non-current loans and owned real-estate with $4.67 million in equity and loan loss allowances on hand to cover it. This gives Cottonwood Valley Bank a Texas Ratio of 14.78% 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 Cottonwood Valley Bank increased slightly from 5.56% as of March 31, 2011 to 14.78% as of March 31, 2012, resulting in a negative change of 165.55%. This indicates that the balance sheet and financial strength for Cottonwood Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Cottonwood Valley Bank has increased its total deposits by $9.74 million, resulting in 52.06% 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 Cottonwood Valley Bank 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. Cottonwood Valley Bank has $33.07 million in assets with $4.67 million in equity, resulting in a capitalization level of 14.12%, which is excellent.

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