First Option Bank

First Option Bank is headquartered in Osawatomie and is the 61^st largest bank in the state of Kansas. It is also the 2,915^st largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 68 employees at 5 locations. First Option Bank has a 5-star health rating.

First Option Bank Routing Number: 101114109

Data for Q1 2012

Institution Statistics First Option Bank FDIC Certificate # 4746 BankRate Report View Year Established 1923 Employees 68 Primary Regulator FED Assets and Liabilities Assets $218.66 million Loans $112.19 million Deposits $195.12 million Equity Capital $20.89 million Loan Loss Allowance $1.31 million Unbacked Noncurrent Loans $359,000 Real Estate Owned $688,000 Historic Data - March 2011 Assets $200.80 million Equity Capital $15.88 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $186,000 Real Estate Owned $742,000 Profit Margin - Quarterly Net Interest Margin 3.67% Return on Assets 1.65% Return on Equity 17.76% Interest Income $2.29 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 First Option Bank had $1.05 million in non-current loans and owned real-estate with $22.2 million in equity and loan loss allowances on hand to cover it. This gives First Option Bank a Texas Ratio of 4.72% 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 First Option Bank held steady from 5.44% as of March 31, 2011 to 4.72% as of March 31, 2012, resulting in a positive change of 13.23%.This indicates that the balance sheet and financial strength for First Option Bank has held steady in recent periods. Deposit Growth In the past year, First Option Bank has increased its total deposits by $13.17 million, resulting in 7.24% 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 First Option 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. First Option Bank has $218.66 million in assets with $22.2 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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