State Bank of Downs

State Bank of Downs is headquartered in Downs and is the 170^th largest bank in the state of Kansas. It is also the 5,669^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 17 employees at 2 locations. State Bank of Downs has a 4-star health rating.

State Bank of Downs Routing Number: 101103149

Data for Q1 2012

Institution Statistics State Bank of Downs FDIC Certificate # 9659 BankRate Report View Year Established 1892 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $73.75 million Loans $46.31 million Deposits $61.18 million Equity Capital $8.07 million Loan Loss Allowance $697,000 Unbacked Noncurrent Loans $538,000 Real Estate Owned $1.45 million Historic Data - March 2011 Assets $61.92 million Equity Capital $7.92 million Loan Loss Allowance $697,000 Unbacked Noncurrent Loans $2.05 million Real Estate Owned $2.17 million Profit Margin - Quarterly Net Interest Margin 4.18% Return on Assets 1.13% Return on Equity 9.37% Interest Income $752,000

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 State Bank of Downs had $1.99 million in non-current loans and owned real-estate with $8.77 million in equity and loan loss allowances on hand to cover it. This gives State Bank of Downs a Texas Ratio of 22.67% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for State Bank of Downs decreased significantly from 49.05% as of March 31, 2011 to 22.67% as of March 31, 2012, resulting in a positive change of 53.78%.This indicates that the balance sheet and financial strength for State Bank of Downs has improved significantly in recent periods. Deposit Growth In the past year, State Bank of Downs has increased its total deposits by $13.25 million, resulting in 27.64% 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 State Bank of Downs 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. State Bank of Downs has $73.74 million in assets with $8.77 million in equity, resulting in a capitalization level of 11.89%, which is above average.

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