Generations Bank (KS)

7200 West 132nd Street, Suite 220
Overland Park, KS 66213
913-928-6188
www.bankwithgenbank.com

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Generations Bank (KS) is headquartered in Overland Park and is the 168^th largest bank in the state of Kansas. It is also the 5,624^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 117 employees at 1 location. Generations Bank (KS) has a 5-star health rating.

1.50% 14-Month CD Special At Generations Bank In Kansas City Metro (Forum) - 10/11/2010

The rate is a little lower and the term a little longer than their June CD special. Nevertheless, it's a fair deal in today's rate environment. 1.50% APY 14-Month CD or IRA CD $5K min (as listed on their front page on 10/11/2010) Small print of the o

1.65% 12-Mo CD Special At Generations Bank In Kansas City Metro (Forum) - 6/20/2010

1.65% APY 12 month term for Certificate of Deposit. $5,000 minimum deposit APY is accurate as of June 18, 2010, and is subject to change. Advertised APY is based on a minimum balance of $5,000 and is good only for new deposits.&nb

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See Rates for: Checking | Savings | Money Market | CD | IRA

Generations Bank (KS) Checking Account Rates

	Apy	Min	Max	Product
	0.10%	$100	-	Interest Checking

Generations Bank (KS) Savings Account Rates

	Apy	Min	Max	Product
	0.25%	$100	-	Savings Account

Generations Bank (KS) Money Market Rates

	Apy	Min	Max	Product
	0.80%	$100k	-	Money Market

Generations Bank (KS) CD Rates

Apy	Min	Max	Product
1.60%	$100k	-	5 Year Jumbo CD
1.55%	$500	-	5 Year CD
1.45%	$100k	-	4 Year Jumbo CD
1.40%	$500	-	4 Year CD
1.20%	$100k	-	3 Year Jumbo CD
1.15%	$500	-	3 Year CD
1.00%	$100k	-	2 Year Jumbo CD
0.95%	$500	-	2 Year CD
0.85%	$100k	-	18 Month Jumbo CD
0.80%	$500	-	18 Month CD
0.75%	$100k	-	1 Year Jumbo CD
0.70%	$500	-	1 Year CD
0.50%	$100k	-	6 Month Jumbo CD
0.45%	$500	-	6 Month CD
0.40%	$100k	-	3 Month Jumbo CD
0.30%	$500	-	3 Month CD

Generations Bank (KS) IRA Rates

Apy	Min	Max	Product
1.55%	$500	-	5 Year IRA
1.15%	$500	-	3 Year IRA
0.95%	$500	-	2 Year IRA
0.80%	$500	-	18 Month IRA
0.70%	$500	-	1 Year IRA
0.45%	$500	-	6 Month IRA
0.00%	$500	-	3 Month IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

The Federal Savings Bank
OTS #	16195
FDIC Certificate #	35518
BankRate Report	View
Year Established	2000
Employees	117
Primary Regulator	OCC
Assets and Liabilities
Assets	$75.33 million
Loans	$46.42 million
Deposits	$66.71 million
Equity Capital	$7.18 million
Loan Loss Allowance	$176,000
Unbacked Noncurrent Loans	$24,000
Real Estate Owned	$349,000
Historic Data - March 2011
Assets	$43.55 million
Equity Capital	$3.52 million
Loan Loss Allowance	$1.13 million
Real Estate Owned	$381,000
Profit Margin - Quarterly
Net Interest Margin	3.12%
Return on Assets	2.02%
Return on Equity	21.42%
Interest Income	$718,000

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 Generations Bank (KS) had $373,000 in non-current loans and owned real-estate with $7.35 million in equity and loan loss allowances on hand to cover it. This gives Generations Bank (KS) a Texas Ratio of 5.07% 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 Generations Bank (KS) decreased slightly from 8.20% as of March 31, 2011 to 5.07% as of March 31, 2012, resulting in a positive change of 38.16%.This indicates that the balance sheet and financial strength for Generations Bank (KS) has improved slightly in recent periods.
Deposit Growth
In the past year, Generations Bank (KS) has increased its total deposits by $30.2 million, resulting in 82.74% 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 Generations Bank (KS) 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. Generations Bank (KS) has $75.32 million in assets with $7.35 million in equity, resulting in a capitalization level of 9.76%, which is average.