KCB Bank

KCB Bank is headquartered in Kearney and is the 117^st largest bank in the state of Missouri. It is also the 3,310^st largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 42 employees at 5 locations. KCB Bank's savings rates are 4X the national average, and it boasts a 5-star health rating.

KCB Bank Routing Number: 101206460

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Data for Q1 2012

Institution Statistics KCB Bank FDIC Certificate # 9793 BankRate Report View Year Established 1887 Employees 42 Primary Regulator FED Assets and Liabilities Assets $185.58 million Loans $100.47 million Deposits $157.91 million Equity Capital $19.19 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $2.56 million Real Estate Owned $17,000 Historic Data - March 2011 Assets $157.90 million Equity Capital $16.75 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $2.85 million Real Estate Owned $202,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 1.61% Return on Equity 15% Interest Income $1.96 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 March 31, 2012 KCB Bank had $2.57 million in non-current loans and owned real-estate with $21.2 million in equity and loan loss allowances on hand to cover it. This gives KCB Bank a Texas Ratio of 12.14% 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 KCB Bank decreased slightly from 16.13% as of March 31, 2011 to 12.14% as of March 31, 2012, resulting in a positive change of 24.77%.This indicates that the balance sheet and financial strength for KCB Bank has improved slightly in recent periods. Deposit Growth In the past year, KCB Bank has increased its total deposits by $24.04 million, resulting in 17.95% 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 KCB 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. KCB Bank has $185.58 million in assets with $21.2 million in equity, resulting in a capitalization level of 11.42%, which is above average.

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