Garden City State Bank

Garden City State Bank is headquartered in Garden City and is the 181^st largest bank in the state of Kansas. It is also the 5,792^nd largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 19 employees at 1 location. Garden City State Bank has a 5-star health rating.

Garden City State Bank Routing Number: 101114905

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Data for Q1 2012

Institution Statistics Garden City State Bank FDIC Certificate # 35414 BankRate Report View Year Established 2000 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $69.30 million Loans $53.64 million Deposits $60.23 million Equity Capital $8.40 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $126,000 Historic Data - March 2011 Assets $60.99 million Equity Capital $7.64 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $869,000 Profit Margin - Quarterly Net Interest Margin 5.32% Return on Assets 2.22% Return on Equity 17.57% Interest Income $969,000

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 Garden City State Bank had $126,000 in non-current loans and owned real-estate with $9.42 million in equity and loan loss allowances on hand to cover it. This gives Garden City State Bank a Texas Ratio of 1.34% 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 Garden City State Bank decreased significantly from 11.01% as of March 31, 2011 to 1.34% as of March 31, 2012, resulting in a positive change of 87.85%.This indicates that the balance sheet and financial strength for Garden City State Bank has improved significantly in recent periods. Deposit Growth In the past year, Garden City State Bank has increased its total deposits by $10.32 million, resulting in 20.67% 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 Garden City State 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. Garden City State Bank has $69.3 million in assets with $9.42 million in equity, resulting in a capitalization level of 13.59%, which is excellent.

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