Lyons Federal Bank

Lyons Federal Bank is headquartered in Lyons and is the 156^th largest bank in the state of Kansas. It is also the 5,484^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 17 employees at 3 locations. Lyons Federal Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Lyons Federal Bank OTS # 00179 FDIC Certificate # 27727 BankRate Report View Year Established 1913 Employees 17 Primary Regulator OCC Assets and Liabilities Assets $79.82 million Loans $52.47 million Deposits $67.45 million Equity Capital $8.11 million Loan Loss Allowance $509,000 Unbacked Noncurrent Loans $295,000 Real Estate Owned $278,000 Historic Data - March 2011 Assets $75.48 million Equity Capital $7.82 million Loan Loss Allowance $471,000 Unbacked Noncurrent Loans $131,000 Real Estate Owned $371,000 Profit Margin - Quarterly Net Interest Margin 3.34% Return on Assets 0.19% Return on Equity 1.83% Interest Income $781,000

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 Lyons Federal Bank had $573,000 in non-current loans and owned real-estate with $8.62 million in equity and loan loss allowances on hand to cover it. This gives Lyons Federal Bank a Texas Ratio of 6.65% 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 Lyons Federal Bank held steady from 6.06% as of March 31, 2011 to 6.65% as of March 31, 2012, resulting in a negative change of 9.71%. This indicates that the balance sheet and financial strength for Lyons Federal Bank has held steady in recent periods. Deposit Growth In the past year, Lyons Federal Bank has increased its total deposits by $3.39 million, resulting in 5.3% 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 Lyons Federal 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. Lyons Federal Bank has $79.82 million in assets with $8.62 million in equity, resulting in a capitalization level of 10.80%, which is above average.

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