KS Bank, Inc.

KS Bank, Inc. is headquartered in Smithfield and is the 40^th largest bank in the state of North Carolina. It is also the 2,028^th largest bank in the nation. It was established in 1924 and as of March of 2012, it had grown to 88 employees at 10 locations. KS Bank, Inc. has a 3-star health rating.

Data for Q1 2012

Institution Statistics KS Bank, Inc. FDIC Certificate # 29771 BankRate Report View Year Established 1924 Employees 88 Primary Regulator FDIC Assets and Liabilities Assets $321.61 million Loans $197.48 million Deposits $249.91 million Equity Capital $32.51 million Loan Loss Allowance $3.51 million Unbacked Noncurrent Loans $8.47 million Real Estate Owned $10.47 million Historic Data - March 2011 Assets $334.87 million Equity Capital $30.33 million Loan Loss Allowance $3.97 million Unbacked Noncurrent Loans $10.41 million Real Estate Owned $7.72 million Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 0.41% Return on Equity 4.06% Interest Income $3.54 million

Institution Health Overall Score: 3 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 KS Bank, Inc. had $18.95 million in non-current loans and owned real-estate with $36.02 million in equity and loan loss allowances on hand to cover it. This gives KS Bank, Inc. a Texas Ratio of 52.61% 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 KS Bank, Inc. held steady from 52.82% as of March 31, 2011 to 52.61% as of March 31, 2012, resulting in a positive change of 0.41%.This indicates that the balance sheet and financial strength for KS Bank, Inc. has held steady in recent periods. Deposit Growth In the past year, KS Bank, Inc. has decreased its total deposits by -$2.86 million, resulting in -1.13% 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 KS Bank, Inc. 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. KS Bank, Inc. has $321.61 million in assets with $36.02 million in equity, resulting in a capitalization level of 11.20%, which is above average.

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