Equity Bank, A National Association

Equity Bank, A National Association is headquartered in Andover and is the 19^st largest bank in the state of Kansas. It is also the 1,125^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 131 employees at 14 locations. Equity Bank, A National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Equity Bank, A National Association FDIC Certificate # 25858 BankRate Report View Year Established 1985 Employees 131 Primary Regulator OCC Assets and Liabilities Assets $594.56 million Loans $324.66 million Deposits $477.78 million Equity Capital $79.52 million Loan Loss Allowance $4.49 million Unbacked Noncurrent Loans $6.12 million Real Estate Owned $3.81 million Historic Data - March 2011 Assets $485.92 million Equity Capital $68.60 million Loan Loss Allowance $4.29 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $4.98 million Profit Margin - Quarterly Net Interest Margin 3.83% Return on Assets 0.7% Return on Equity 5.29% Interest Income $6.40 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 March 31, 2012 Equity Bank, A National Association had $9.92 million in non-current loans and owned real-estate with $84.01 million in equity and loan loss allowances on hand to cover it. This gives Equity Bank, A National Association a Texas Ratio of 11.81% 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 Equity Bank, A National Association held steady from 11.45% as of March 31, 2011 to 11.81% as of March 31, 2012, resulting in a negative change of 3.16%. This indicates that the balance sheet and financial strength for Equity Bank, A National Association has held steady in recent periods. Deposit Growth In the past year, Equity Bank, A National Association has increased its total deposits by $96.82 million, resulting in 25.42% 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 Equity Bank, A 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. Equity Bank, A National Association has $594.55 million in assets with $84.01 million in equity, resulting in a capitalization level of 14.13%, which is excellent.

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