High Plains Bank

High Plains Bank is headquartered in Keyes and is the 177^th largest bank in the state of Oklahoma. It is also the 6,103^rd largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 19 employees at 4 locations. High Plains Bank has a 5-star health rating.

High Plains Bank Routing Number: 103112455

Data for Q1 2012

Institution Statistics High Plains Bank FDIC Certificate # 418 BankRate Report View Year Established 1930 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $58.74 million Loans $43.88 million Deposits $48.99 million Equity Capital $7.03 million Loan Loss Allowance $379,000 Real Estate Owned $631,000 Historic Data - March 2011 Assets $54.02 million Equity Capital $6.87 million Loan Loss Allowance $250,000 Unbacked Noncurrent Loans $47,000 Real Estate Owned $631,000 Profit Margin - Quarterly Net Interest Margin 4.94% Return on Assets 1.86% Return on Equity 15.49% Interest Income $733,000

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 High Plains Bank had $631,000 in non-current loans and owned real-estate with $7.4 million in equity and loan loss allowances on hand to cover it. This gives High Plains Bank a Texas Ratio of 8.52% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for High Plains Bank held steady from 9.53% as of March 31, 2011 to 8.52% as of March 31, 2012, resulting in a positive change of 10.56%.This indicates that the balance sheet and financial strength for High Plains Bank has held steady in recent periods. Deposit Growth In the past year, High Plains Bank has increased its total deposits by $5.24 million, resulting in 11.97% 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 High Plains 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. High Plains Bank has $58.74 million in assets with $7.4 million in equity, resulting in a capitalization level of 12.61%, which is excellent.

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