Labette Bank

Labette Bank is headquartered in Altamont and is the 34^th largest bank in the state of Kansas. It is also the 1,943^rd largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 102 employees at 11 locations. Labette Bank has a 5-star health rating.

Labette Bank Routing Number: 101114044

Data for Q1 2012

Institution Statistics Labette Bank FDIC Certificate # 17068 BankRate Report View Year Established 1915 Employees 102 Primary Regulator FDIC Assets and Liabilities Assets $336.49 million Loans $163.92 million Deposits $294.95 million Equity Capital $31.38 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $966,000 Real Estate Owned $880,000 Historic Data - March 2011 Assets $291.47 million Equity Capital $27.55 million Loan Loss Allowance $2.39 million Unbacked Noncurrent Loans $975,000 Real Estate Owned $338,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.97% Return on Equity 10.37% Interest Income $3.34 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 Labette Bank had $1.85 million in non-current loans and owned real-estate with $34.13 million in equity and loan loss allowances on hand to cover it. This gives Labette Bank a Texas Ratio of 5.41% 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 Labette Bank held steady from 4.85% as of March 31, 2011 to 5.41% as of March 31, 2012, resulting in a negative change of 11.43%. This indicates that the balance sheet and financial strength for Labette Bank has held steady in recent periods. Deposit Growth In the past year, Labette Bank has increased its total deposits by $41.2 million, resulting in 16.24% 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 Labette 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. Labette Bank has $336.49 million in assets with $34.13 million in equity, resulting in a capitalization level of 10.14%, which is above average.

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