Silver Lake Bank

Silver Lake Bank is headquartered in Topeka and is the 60^th largest bank in the state of Kansas. It is also the 2,893^rd largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 50 employees at 4 locations. Silver Lake Bank has a 4-star health rating.

Silver Lake Bank Routing Number: 101110404

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Data for Q1 2012

Institution Statistics Silver Lake Bank FDIC Certificate # 15323 BankRate Report View Year Established 1909 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $220.42 million Loans $130.40 million Deposits $164.08 million Equity Capital $27.19 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $1.41 million Real Estate Owned $825,000 Historic Data - March 2011 Assets $220.33 million Equity Capital $25.03 million Loan Loss Allowance $2.39 million Unbacked Noncurrent Loans $289,000 Real Estate Owned $1.64 million Profit Margin - Quarterly Net Interest Margin 3.27% Return on Assets 0.85% Return on Equity 6.93% Interest Income $2.17 million

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 Silver Lake Bank had $2.23 million in non-current loans and owned real-estate with $29.17 million in equity and loan loss allowances on hand to cover it. This gives Silver Lake Bank a Texas Ratio of 7.66% 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 Silver Lake Bank held steady from 7.12% as of March 31, 2011 to 7.66% as of March 31, 2012, resulting in a negative change of 7.48%. This indicates that the balance sheet and financial strength for Silver Lake Bank has held steady in recent periods. Deposit Growth In the past year, Silver Lake Bank has decreased its total deposits by -$1.96 million, resulting in -1.18% 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 Silver Lake Bank has shown is below 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. Silver Lake Bank has $220.42 million in assets with $29.17 million in equity, resulting in a capitalization level of 13.23%, which is excellent.

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