Kaw Valley Bank

Kaw Valley Bank is headquartered in Topeka and is the 29^th largest bank in the state of Kansas. It is also the 1,563^rd largest bank in the nation. It was established in 1870 and as of March of 2012, it had grown to 86 employees at 8 locations. Kaw Valley Bank has a 2-star health rating.

Kaw Valley Bank Routing Number: 101100142

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Data for Q1 2012

Institution Statistics Kaw Valley Bank FDIC Certificate # 9665 BankRate Report View Year Established 1870 Employees 86 Primary Regulator FDIC Assets and Liabilities Assets $426.04 million Loans $263.21 million Deposits $362.05 million Equity Capital $40.05 million Loan Loss Allowance $8.62 million Unbacked Noncurrent Loans $11.39 million Real Estate Owned $13.57 million Historic Data - March 2011 Assets $509.31 million Equity Capital $46.28 million Loan Loss Allowance $6.64 million Unbacked Noncurrent Loans $3.45 million Real Estate Owned $7.54 million Profit Margin - Quarterly Net Interest Margin 3.04% Return on Assets -0.72% Return on Equity -7.79% Interest Income $4.76 million

Institution Health Overall Score: 2 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 Kaw Valley Bank had $24.96 million in non-current loans and owned real-estate with $48.67 million in equity and loan loss allowances on hand to cover it. This gives Kaw Valley Bank a Texas Ratio of 51.28% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kaw Valley Bank increased slightly from 19.84% as of March 31, 2011 to 51.28% as of March 31, 2012, resulting in a negative change of 158.50%. This indicates that the balance sheet and financial strength for Kaw Valley Bank has declined slightly in recent periods. Deposit Growth In the past year, Kaw Valley Bank has decreased its total deposits by -$72.18 million, resulting in -16.62% 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 Kaw Valley 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. Kaw Valley Bank has $426.04 million in assets with $48.67 million in equity, resulting in a capitalization level of 11.42%, which is above average.

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