Kendall State Bank

Kendall State Bank is headquartered in Valley Falls and is the 257^th largest bank in the state of Kansas. It is also the 6,847^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 14 employees at 3 locations. Kendall State Bank has a 2-star health rating.

Kendall State Bank Routing Number: 101103660

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Data for Q1 2012

Institution Statistics Kendall State Bank FDIC Certificate # 16471 BankRate Report View Year Established 1892 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $33.84 million Loans $20.59 million Deposits $31.35 million Equity Capital $2.43 million Loan Loss Allowance $710,000 Unbacked Noncurrent Loans $585,000 Real Estate Owned $562,000 Historic Data - March 2011 Assets $35.56 million Equity Capital $3.02 million Loan Loss Allowance $777,000 Unbacked Noncurrent Loans $900,000 Real Estate Owned $257,000 Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.15% Return on Equity 1.98% Interest Income $359,000

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 Kendall State Bank had $1.15 million in non-current loans and owned real-estate with $3.14 million in equity and loan loss allowances on hand to cover it. This gives Kendall State Bank a Texas Ratio of 36.58% 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 Kendall State Bank increased slightly from 30.47% as of March 31, 2011 to 36.58% as of March 31, 2012, resulting in a negative change of 20.03%. This indicates that the balance sheet and financial strength for Kendall State Bank has declined slightly in recent periods. Deposit Growth In the past year, Kendall State Bank has decreased its total deposits by $-569,000, resulting in -1.78% 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 Kendall State Bank has shown is below average. 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. Kendall State Bank has $33.84 million in assets with $3.14 million in equity, resulting in a capitalization level of 9.27%, which is average.

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