Kirkpatrick Bank

Kirkpatrick Bank is headquartered in Edmond and is the 16^st largest bank in the state of Oklahoma. It is also the 1,137^th largest bank in the nation. It was established in 1970 and as of March of 2012, it had grown to 96 employees at 6 locations. Kirkpatrick Bank has a 4-star health rating.

Kirkpatrick Bank Routing Number: 103001469

Data for Q1 2012

Institution Statistics Kirkpatrick Bank FDIC Certificate # 20156 BankRate Report View Year Established 1970 Employees 96 Primary Regulator FDIC Assets and Liabilities Assets $592.22 million Loans $353.56 million Deposits $512.22 million Equity Capital $54.07 million Loan Loss Allowance $9.62 million Unbacked Noncurrent Loans $6.83 million Real Estate Owned $4.88 million Historic Data - March 2011 Assets $551.97 million Equity Capital $48.61 million Loan Loss Allowance $7.71 million Unbacked Noncurrent Loans $9.49 million Real Estate Owned $3.41 million Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.09% Return on Equity 11.76% Interest Income $5.51 million

Institution Health Overall Score: 4 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 Kirkpatrick Bank had $11.71 million in non-current loans and owned real-estate with $63.69 million in equity and loan loss allowances on hand to cover it. This gives Kirkpatrick Bank a Texas Ratio of 18.38% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Kirkpatrick Bank decreased slightly from 22.90% as of March 31, 2011 to 18.38% as of March 31, 2012, resulting in a positive change of 19.74%.This indicates that the balance sheet and financial strength for Kirkpatrick Bank has improved slightly in recent periods. Deposit Growth In the past year, Kirkpatrick Bank has increased its total deposits by $46.63 million, resulting in 10.02% 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 Kirkpatrick 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. Kirkpatrick Bank has $592.22 million in assets with $63.69 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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