Kearney Trust Company

310 West 92 Highway
Kearney, MO 64060
816-628-6666
www.kearneytrust.com

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Kearney Trust Company is headquartered in Kearney and is the 153^rd largest bank in the state of Missouri. It is also the 3,996^th largest bank in the nation. It was established in 1882 and as of March of 2012, it had grown to 35 employees at 1 location. Kearney Trust Company has a 5-star health rating.

Kearney Trust Company Routing Number: 101206457

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See Rates for: Checking | Savings | Money Market | CD | IRA

Kearney Trust Company Checking Account Rates

Apy	Min	Max	Product
0.10%	-	-	Now Account
0.05%	-	-	Senior Success Account

Kearney Trust Company Savings Account Rates

Apy	Min	Max	Product
0.20%	-	-	Savings Account
0.20%	-	-	Christmas Club Account

Kearney Trust Company Money Market Rates

	Apy	Min	Max	Product
	0.25%	$40k	-	Restricted Money Market Account

Kearney Trust Company CD Rates

Apy	Min	Max	Product
1.40%	$10k	-	60 Month Daily Compound CD
1.20%	$10k	-	48 Month Daily Compound CD
0.95%	$10k	$40k	36 Month Daily Compound CD
0.80%	$10k	-	30 Month Daily Compound CD
0.75%	$10k	-	24 Month Daily Compound CD
0.70%	$10k	-	30 Month Second Chance CD
0.65%	$10k	-	18 Month Daily Compound CD
0.45%	$10k	-	12 Month Simple Interest CD
0.35%	-	$1k	12 Month Add-On CD
0.30%	$10k	-	6 Month Simple Interest CD
0.20%	-	$5k	6 Month Add-On CD
0.15%	$10k	-	91 Day Simple Interest CD
0.05%	-	-	31 Day Simple Interest CD
0.01%	-	-	Simple Interest CD
0.01%	-	-	Daily Compound CD

Kearney Trust Company IRA Rates

Apy	Min	Max	Product
1.40%	$10k	-	60 Month IRA
1.40%	$10k	-	60 Month Roth IRA
1.40%	$10k	-	60 Month CESA
1.20%	$10k	-	48 Month IRA
1.20%	$10k	-	48 Month Roth IRA
1.20%	$10k	-	48 Month CESA
0.95%	$10k	-	36 Month IRA
0.95%	$10k	-	36 Month Roth IRA
0.95%	$10k	-	36 Month CESA
0.80%	$10k	-	30 Month IRA
0.80%	$10k	-	30 Month Roth IRA
0.80%	$10k	-	30 Month CESA
0.75%	$10k	-	24 Month IRA
0.75%	$10k	-	24 Month Roth IRA
0.75%	$10k	-	24 Month CESA
0.65%	$10k	-	18 Month IRA
0.65%	$10k	-	18 Month Roth IRA
0.65%	$10k	-	18 Month CESA
0.45%	$10k	-	12 Month IRA
0.45%	$10k	-	12 Month Roth IRA
0.45%	$10k	-	12 Month CESA
0.30%	$10k	-	6 Month IRA
0.30%	$10k	-	6 Month Roth IRA
0.30%	$10k	-	6 Month CESA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

Kearney Trust Company
FDIC Certificate #	9794
BankRate Report	View
Year Established	1882
Employees	35
Primary Regulator	FDIC
Assets and Liabilities
Assets	$143.17 million
Loans	$79.76 million
Deposits	$127.73 million
Equity Capital	$15.16 million
Loan Loss Allowance	$1.61 million
Unbacked Noncurrent Loans	$316,000
Real Estate Owned	$239,000
Historic Data - March 2011
Assets	$135.67 million
Equity Capital	$13.57 million
Loan Loss Allowance	$1.68 million
Unbacked Noncurrent Loans	$1.06 million
Real Estate Owned	$975,000
Profit Margin - Quarterly
Net Interest Margin	3.75%
Return on Assets	1.5%
Return on Equity	13.78%
Interest Income	$1.41 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 Kearney Trust Company had $555,000 in non-current loans and owned real-estate with $16.76 million in equity and loan loss allowances on hand to cover it. This gives Kearney Trust Company a Texas Ratio of 3.31% 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 Kearney Trust Company decreased significantly from 13.32% as of March 31, 2011 to 3.31% as of March 31, 2012, resulting in a positive change of 75.14%.This indicates that the balance sheet and financial strength for Kearney Trust Company has improved significantly in recent periods.
Deposit Growth
In the past year, Kearney Trust Company has increased its total deposits by $6.18 million, resulting in 5.08% 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 Kearney Trust Company 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. Kearney Trust Company has $143.17 million in assets with $16.76 million in equity, resulting in a capitalization level of 11.71%, which is above average.

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