The Bank of Holyrood

The Bank of Holyrood is headquartered in Holyrood and is the 200^th largest bank in the state of Kansas. It is also the 6,020^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 8 employees at 1 location. The Bank of Holyrood has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Bank of Holyrood FDIC Certificate # 9661 BankRate Report View Year Established 1887 Employees 8 Primary Regulator FED Assets and Liabilities Assets $61.80 million Loans $29.33 million Deposits $54.72 million Equity Capital $5.54 million Loan Loss Allowance $455,000 Unbacked Noncurrent Loans $76,000 Real Estate Owned $206,000 Historic Data - March 2011 Assets $52.77 million Equity Capital $4.94 million Loan Loss Allowance $369,000 Unbacked Noncurrent Loans $541,000 Real Estate Owned $65,000 Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 1.8% Return on Equity 19.24% Interest Income $529,000

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 The Bank of Holyrood had $282,000 in non-current loans and owned real-estate with $5.99 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Holyrood a Texas Ratio of 4.71% 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 The Bank of Holyrood decreased significantly from 11.41% as of March 31, 2011 to 4.71% as of March 31, 2012, resulting in a positive change of 58.78%.This indicates that the balance sheet and financial strength for The Bank of Holyrood has improved significantly in recent periods. Deposit Growth In the past year, The Bank of Holyrood has increased its total deposits by $8.49 million, resulting in 18.37% 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 The Bank of Holyrood 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. The Bank of Holyrood has $61.8 million in assets with $5.99 million in equity, resulting in a capitalization level of 9.70%, which is average.

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