Girard National Bank

Girard National Bank is headquartered in Girard and is the 22^nd largest bank in the state of Kansas. It is also the 1,327^th largest bank in the nation. It was established in 1929 and as of September of 2011, it had grown to 145 employees at 14 locations. Girard National Bank has a 4-star health rating.

Girard National Bank Routing Number: 101112842

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Data for Q3 2011

Institution Statistics The Girard National Bank FDIC Certificate # 4673 BankRate Report View Year Established 1929 Employees 145 Primary Regulator OCC Assets and Liabilities Assets $510.96 million Loans $336.56 million Deposits $387.54 million Equity Capital $60.69 million Loan Loss Allowance $5.69 million Unbacked Noncurrent Loans $9.15 million Real Estate Owned $1.65 million Historic Data - September 2010 Assets $504.05 million Equity Capital $57.41 million Loan Loss Allowance $5.65 million Unbacked Noncurrent Loans $12.12 million Real Estate Owned $2.73 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.7% Return on Equity 6.08% Interest Income $18.35 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 Girard National Bank had $10.8 million in non-current loans and owned real-estate with $66.38 million in equity and loan loss allowances on hand to cover it. This gives Girard National Bank a Texas Ratio of 16.27% 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 Girard National Bank decreased slightly from 23.82% as of September 30, 2010 to 16.27% as of September 30, 2011, resulting in a positive change of 31.70%.This indicates that the balance sheet and financial strength for Girard National Bank has improved slightly in recent periods. Deposit Growth In the past year, Girard National Bank has increased its total deposits by $4.93 million, resulting in 1.29% 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 Girard National Bank has shown is above 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. Girard National Bank has $510.96 million in assets with $66.38 million in equity, resulting in a capitalization level of 12.99%, which is excellent.

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