Great American Bank

Great American Bank is headquartered in De Soto and is the 207^th largest bank in the state of Kansas. It is also the 6,122^nd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 14 employees at 2 locations. Great American Bank has a 4-star health rating.

Great American Bank Routing Number: 101002855

Data for Q1 2012

Institution Statistics Great American Bank FDIC Certificate # 10908 BankRate Report View Year Established 1901 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $58.06 million Loans $38.04 million Deposits $40.87 million Equity Capital $10.93 million Loan Loss Allowance $714,000 Unbacked Noncurrent Loans $201,000 Real Estate Owned $453,000 Historic Data - March 2011 Assets $53.59 million Equity Capital $10.17 million Loan Loss Allowance $693,000 Unbacked Noncurrent Loans $284,000 Real Estate Owned $386,000 Profit Margin - Quarterly Net Interest Margin 8.23% Return on Assets 2.59% Return on Equity 13.14% Interest Income $1.01 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 March 31, 2012 Great American Bank had $654,000 in non-current loans and owned real-estate with $11.64 million in equity and loan loss allowances on hand to cover it. This gives Great American Bank a Texas Ratio of 5.62% 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 Great American Bank held steady from 6.17% as of March 31, 2011 to 5.62% as of March 31, 2012, resulting in a positive change of 8.95%.This indicates that the balance sheet and financial strength for Great American Bank has held steady in recent periods. Deposit Growth In the past year, Great American Bank has decreased its total deposits by -$2.37 million, resulting in -5.47% 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 Great American Bank has shown is poor. 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. Great American Bank has $58.06 million in assets with $11.64 million in equity, resulting in a capitalization level of 20.05%, which is excellent.

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