Kansas State Bank

Kansas State Bank is headquartered in Manhattan and is the 9^th largest bank in the state of Kansas. It is also the 689^th largest bank in the nation. It was established in 1969 and as of December of 2012, it had grown to 189 employees at 7 locations. Kansas State Bank's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2012

Institution Statistics Kansas State Bank of Manhattan FDIC Certificate # 19899 BankRate Report View Year Established 1969 Employees 189 Primary Regulator FDIC Assets and Liabilities Assets $962.28 million Loans $753.31 million Deposits $791.85 million Equity Capital $86.05 million Loan Loss Allowance $15.85 million Unbacked Noncurrent Loans $828,000 Real Estate Owned $1.45 million Historic Data - December 2011 Assets $798.48 million Equity Capital $73.16 million Loan Loss Allowance $13.70 million Unbacked Noncurrent Loans $1.39 million Real Estate Owned $5.37 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 2.44% Return on Equity 26.47% Interest Income $41.11 million

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 December 31, 2012 Kansas State Bank had $2.28 million in non-current loans and owned real-estate with $101.89 million in equity and loan loss allowances on hand to cover it. This gives Kansas State Bank a Texas Ratio of 2.24% 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 Kansas State Bank decreased significantly from 7.73% as of December 31, 2011 to 2.24% as of December 31, 2012, resulting in a positive change of 71.01%.This indicates that the balance sheet and financial strength for Kansas State Bank has improved significantly in recent periods. Deposit Growth In the past year, Kansas State Bank has increased its total deposits by $119.65 million, resulting in 17.8% 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 Kansas State 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. Kansas State Bank has $962.28 million in assets with $101.89 million in equity, resulting in a capitalization level of 10.59%, which is above average.

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