Roxbury Bank

Roxbury Bank is headquartered in Roxbury and is the 305^th largest bank in the state of Kansas. It is also the 7,256^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 6 employees at 1 location. Roxbury Bank has a 3-star health rating.

Roxbury Bank Routing Number: 101110226

Data for Q1 2012

Institution Statistics Roxbury Bank FDIC Certificate # 18074 BankRate Report View Year Established 1908 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $13.03 million Loans $8.10 million Deposits $11.73 million Equity Capital $1.27 million Loan Loss Allowance $370,000 Unbacked Noncurrent Loans $219,000 Real Estate Owned $553,000 Historic Data - March 2011 Assets $14.76 million Equity Capital $1.06 million Loan Loss Allowance $492,000 Unbacked Noncurrent Loans $530,000 Real Estate Owned $1.14 million Profit Margin - Quarterly Net Interest Margin 4.86% Return on Assets 1.11% Return on Equity 11.49% Interest Income $154,000

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 Roxbury Bank had $772,000 in non-current loans and owned real-estate with $1.64 million in equity and loan loss allowances on hand to cover it. This gives Roxbury Bank a Texas Ratio of 47.07% 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 Roxbury Bank decreased significantly from 107.59% as of March 31, 2011 to 47.07% as of March 31, 2012, resulting in a positive change of 56.25%.This indicates that the balance sheet and financial strength for Roxbury Bank has improved significantly in recent periods. Deposit Growth In the past year, Roxbury Bank has decreased its total deposits by -$1.94 million, resulting in -14.21% 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 Roxbury Bank has shown is poor. 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. Roxbury Bank has $13.03 million in assets with $1.64 million in equity, resulting in a capitalization level of 12.59%, which is excellent.

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