Gardner Bank

Gardner Bank is headquartered in Gardner and is the 146^th largest bank in the state of Kansas. It is also the 5,339^th largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 18 employees at 2 locations. Gardner Bank has a 3-star health rating.

Gardner Bank Routing Number: 101105118

Data for Q1 2012

Institution Statistics Gardner Bank FDIC Certificate # 25744 BankRate Report View Year Established 1984 Employees 18 Primary Regulator FED Assets and Liabilities Assets $85.27 million Loans $63.59 million Deposits $71.70 million Equity Capital $9.04 million Loan Loss Allowance $900,000 Unbacked Noncurrent Loans $224,000 Real Estate Owned $1.47 million Historic Data - March 2011 Assets $91.37 million Equity Capital $8.50 million Loan Loss Allowance $992,000 Unbacked Noncurrent Loans $82,000 Real Estate Owned $1.55 million Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 0.98% Return on Equity 9.36% Interest Income $1.08 million

Institution Health Overall Score: 3 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 Gardner Bank had $1.7 million in non-current loans and owned real-estate with $9.94 million in equity and loan loss allowances on hand to cover it. This gives Gardner Bank a Texas Ratio of 17.07% 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 Gardner Bank held steady from 18.77% as of March 31, 2011 to 17.07% as of March 31, 2012, resulting in a positive change of 9.08%.This indicates that the balance sheet and financial strength for Gardner Bank has held steady in recent periods. Deposit Growth In the past year, Gardner Bank has increased its total deposits by $190,000, resulting in 0.27% 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 Gardner Bank has shown is 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. Gardner Bank has $85.27 million in assets with $9.94 million in equity, resulting in a capitalization level of 11.65%, which is above average.

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