Lakeside Bank of Salina

Lakeside Bank of Salina is headquartered in Salina and is the 220^th largest bank in the state of Oklahoma. It is also the 6,886^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 12 employees at 1 location. Lakeside Bank of Salina has a 4-star health rating.

Lakeside Bank of Salina Routing Number: 103101767

Data for Q1 2012

Institution Statistics Lakeside Bank of Salina FDIC Certificate # 21255 BankRate Report View Year Established 1973 Employees 12 Primary Regulator FED Assets and Liabilities Assets $32.50 million Loans $23.03 million Deposits $28.87 million Equity Capital $3.30 million Loan Loss Allowance $600,000 Unbacked Noncurrent Loans $232,000 Real Estate Owned $282,000 Historic Data - March 2011 Assets $31.77 million Equity Capital $2.95 million Loan Loss Allowance $439,000 Unbacked Noncurrent Loans $663,000 Real Estate Owned $467,000 Profit Margin - Quarterly Net Interest Margin 6.02% Return on Assets 1.49% Return on Equity 14.59% Interest Income $457,000

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 Lakeside Bank of Salina had $514,000 in non-current loans and owned real-estate with $3.9 million in equity and loan loss allowances on hand to cover it. This gives Lakeside Bank of Salina a Texas Ratio of 13.20% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lakeside Bank of Salina decreased significantly from 33.33% as of March 31, 2011 to 13.20% as of March 31, 2012, resulting in a positive change of 60.41%.This indicates that the balance sheet and financial strength for Lakeside Bank of Salina has improved significantly in recent periods. Deposit Growth In the past year, Lakeside Bank of Salina has increased its total deposits by $118,000, resulting in 0.41% 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 Lakeside Bank of Salina has shown is 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. Lakeside Bank of Salina has $32.5 million in assets with $3.9 million in equity, resulting in a capitalization level of 11.99%, which is above average.

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