Emprise Bank

Emprise Bank is headquartered in Wichita and is the 6^th largest bank in the state of Kansas. It is also the 463^rd largest bank in the nation. It was established in 1910 and as of September of 2011, it had grown to 427 employees at 42 locations. Emprise Bank's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Emprise Bank FDIC Certificate # 4789 BankRate Report View Year Established 1910 Employees 427 Primary Regulator FDIC Assets and Liabilities Assets $1.44 billion Loans $733.52 million Deposits $1.26 billion Equity Capital $143.20 million Loan Loss Allowance $11.38 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $2.40 million Historic Data - September 2010 Assets $1.39 billion Equity Capital $129.97 million Loan Loss Allowance $11.25 million Unbacked Noncurrent Loans $6.20 million Real Estate Owned $2.26 million Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 1.36% Return on Equity 14.43% Interest Income $45.12 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 Emprise Bank had $7.35 million in non-current loans and owned real-estate with $154.58 million in equity and loan loss allowances on hand to cover it. This gives Emprise Bank a Texas Ratio of 4.75% 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 Emprise Bank decreased slightly from 5.68% as of September 30, 2010 to 4.75% as of September 30, 2011, resulting in a positive change of 16.38%.This indicates that the balance sheet and financial strength for Emprise Bank has improved slightly in recent periods. Deposit Growth In the past year, Emprise Bank has increased its total deposits by $51.64 million, resulting in 4.28% 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 Emprise Bank has shown is above average. 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. Emprise Bank has $1.44 billion in assets with $154.58 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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