First State Bank of KC

First State Bank of KC is headquartered in Kansas City and is the 156^th largest bank in the state of Kansas. It is also the 5,580^th largest bank in the nation. It was established in 1901 and as of September of 2011, it had grown to 24 employees at 2 locations. First State Bank of KC has a 4-star health rating.

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Data for Q3 2011

Institution Statistics The First State Bank of Kansas City, Kansas FDIC Certificate # 12426 BankRate Report View Year Established 1901 Employees 24 Primary Regulator FDIC Assets and Liabilities Assets $77.47 million Loans $51.63 million Deposits $65.99 million Equity Capital $8.44 million Loan Loss Allowance $835,000 Unbacked Noncurrent Loans $1.56 million Real Estate Owned $691,000 Historic Data - September 2010 Assets $74.14 million Equity Capital $8.28 million Loan Loss Allowance $933,000 Unbacked Noncurrent Loans $3.05 million Real Estate Owned $1.69 million Profit Margin - Quarterly Net Interest Margin 4.08% Return on Assets 0.11% Return on Equity 1.01% Interest Income $2.64 million

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 September 30, 2011 First State Bank of KC had $2.25 million in non-current loans and owned real-estate with $9.28 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of KC a Texas Ratio of 24.28% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First State Bank of KC decreased significantly from 51.44% as of September 30, 2010 to 24.28% as of September 30, 2011, resulting in a positive change of 52.80%.This indicates that the balance sheet and financial strength for First State Bank of KC has improved significantly in recent periods. Deposit Growth In the past year, First State Bank of KC has increased its total deposits by $4.41 million, resulting in 7.15% 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 State Bank of KC 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 State Bank of KC has $77.47 million in assets with $9.28 million in equity, resulting in a capitalization level of 11.97%, which is above average.

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