New Century Bank, National Association

New Century Bank, National Association is headquartered in Belleville and is the 286^th largest bank in the state of Kansas. It is also the 7,098^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 11 employees at 2 locations. New Century Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics New Century Bank, National Association FDIC Certificate # 8108 BankRate Report View Year Established 1905 Employees 11 Primary Regulator OCC Assets and Liabilities Assets $23.82 million Loans $16.46 million Deposits $20.72 million Equity Capital $2.38 million Loan Loss Allowance $314,000 Unbacked Noncurrent Loans $231,000 Historic Data - March 2011 Assets $22.90 million Equity Capital $2.32 million Loan Loss Allowance $318,000 Unbacked Noncurrent Loans $339,000 Real Estate Owned $25,000 Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets 1.23% Return on Equity 11.96% Interest Income $304,000

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 New Century Bank, National Association had $231,000 in non-current loans and owned real-estate with $2.69 million in equity and loan loss allowances on hand to cover it. This gives New Century Bank, National Association a Texas Ratio of 8.59% 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 New Century Bank, National Association decreased slightly from 13.80% as of March 31, 2011 to 8.59% as of March 31, 2012, resulting in a positive change of 37.77%.This indicates that the balance sheet and financial strength for New Century Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, New Century Bank, National Association has increased its total deposits by $1.16 million, resulting in 5.93% 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 New Century Bank, National Association 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. New Century Bank, National Association has $23.82 million in assets with $2.69 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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