Swedish-American State Bank

Swedish-American State Bank is headquartered in Courtland and is the 234^th largest bank in the state of Kansas. It is also the 6,568^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 10 employees at 1 location. Swedish-American State Bank has a 5-star health rating.

Swedish-American State Bank Routing Number: 101111335

Data for Q1 2012

Institution Statistics Swedish-American State Bank FDIC Certificate # 12865 BankRate Report View Year Established 1913 Employees 10 Primary Regulator FED Assets and Liabilities Assets $42.97 million Loans $23.15 million Deposits $38.93 million Equity Capital $3.56 million Loan Loss Allowance $295,000 Unbacked Noncurrent Loans $248,000 Historic Data - March 2011 Assets $36.10 million Equity Capital $3.14 million Loan Loss Allowance $294,000 Unbacked Noncurrent Loans $158,000 Profit Margin - Quarterly Net Interest Margin 3.72% Return on Assets 0.9% Return on Equity 10.7% Interest Income $457,000

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 Swedish-American State Bank had $248,000 in non-current loans and owned real-estate with $3.85 million in equity and loan loss allowances on hand to cover it. This gives Swedish-American State Bank a Texas Ratio of 6.44% 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 Swedish-American State Bank held steady from 4.60% as of March 31, 2011 to 6.44% as of March 31, 2012, resulting in a negative change of 39.88%. This indicates that the balance sheet and financial strength for Swedish-American State Bank has held steady in recent periods. Deposit Growth In the past year, Swedish-American State Bank has increased its total deposits by $6.78 million, resulting in 21.11% 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 Swedish-American State Bank 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. Swedish-American State Bank has $42.97 million in assets with $3.85 million in equity, resulting in a capitalization level of 8.96%, which is average.

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