Stanley Bank

Stanley Bank is headquartered in Stanley and is the 132^nd largest bank in the state of Kansas. It is also the 5,082^nd largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 11 employees at 1 location. Stanley Bank has a 3-star health rating.

Stanley Bank Routing Number: 101110488

Data for Q1 2012

Institution Statistics Stanley Bank FDIC Certificate # 10916 BankRate Report View Year Established 1905 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $94.97 million Loans $67.16 million Deposits $78.16 million Equity Capital $16.79 million Loan Loss Allowance $902,000 Unbacked Noncurrent Loans $4.10 million Real Estate Owned $1.48 million Historic Data - March 2011 Assets $130.81 million Equity Capital $19.64 million Loan Loss Allowance $2.34 million Unbacked Noncurrent Loans $3.65 million Real Estate Owned $2.41 million Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 0.53% Return on Equity 2.99% Interest Income $738,000

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 Stanley Bank had $5.58 million in non-current loans and owned real-estate with $17.69 million in equity and loan loss allowances on hand to cover it. This gives Stanley Bank a Texas Ratio of 31.55% 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 Stanley Bank held steady from 27.57% as of March 31, 2011 to 31.55% as of March 31, 2012, resulting in a negative change of 14.43%. This indicates that the balance sheet and financial strength for Stanley Bank has held steady in recent periods. Deposit Growth In the past year, Stanley Bank has decreased its total deposits by -$32.95 million, resulting in -29.66% 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 Stanley 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. Stanley Bank has $94.97 million in assets with $17.69 million in equity, resulting in a capitalization level of 18.63%, which is excellent.

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