Douglas County Bank

Douglas County Bank is headquartered in Lawrence and is the 41^st largest bank in the state of Kansas. It is also the 2,220^th largest bank in the nation. It was established in 1952 and as of September of 2011, it had grown to 81 employees at 8 locations. Douglas County Bank has a 5-star health rating.

Douglas County Bank Routing Number: 101114646

Douglas County Bank Checking Account Rates

Douglas County Bank Savings Account Rates

Douglas County Bank Money Market Rates

Douglas County Bank CD Rates

Douglas County Bank IRA Rates

Data for Q3 2011

Institution Statistics Douglas County Bank FDIC Certificate # 17105 BankRate Report View Year Established 1952 Employees 81 Primary Regulator FDIC Assets and Liabilities Assets $291.15 million Loans $130.68 million Deposits $255.26 million Equity Capital $34.76 million Loan Loss Allowance $2.44 million Unbacked Noncurrent Loans $370,000 Real Estate Owned $106,000 Historic Data - September 2010 Assets $275.82 million Equity Capital $33.40 million Loan Loss Allowance $2.12 million Unbacked Noncurrent Loans $1.06 million Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 0.69% Return on Equity 5.92% Interest Income $8.36 million

Institution Health Overall Score: 5 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 September 30, 2011 Douglas County Bank had $476,000 in non-current loans and owned real-estate with $37.2 million in equity and loan loss allowances on hand to cover it. This gives Douglas County Bank a Texas Ratio of 1.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Douglas County Bank decreased significantly from 2.97% as of September 30, 2010 to 1.28% as of September 30, 2011, resulting in a positive change of 56.96%.This indicates that the balance sheet and financial strength for Douglas County Bank has improved significantly in recent periods. Deposit Growth In the past year, Douglas County Bank has increased its total deposits by $14.06 million, resulting in 5.83% 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 Douglas County 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. Douglas County Bank has $291.15 million in assets with $37.2 million in equity, resulting in a capitalization level of 12.78%, which is excellent.