The Bank of Kremlin

The Bank of Kremlin is headquartered in Kremlin and is the 49^th largest bank in the state of Oklahoma. It is also the 2,621^st largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 53 employees at 6 locations. The Bank of Kremlin has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Bank of Kremlin FDIC Certificate # 11526 BankRate Report View Year Established 1900 Employees 53 Primary Regulator FED Assets and Liabilities Assets $245.32 million Loans $176.09 million Deposits $204.84 million Equity Capital $22.97 million Loan Loss Allowance $3.02 million Unbacked Noncurrent Loans $6.33 million Historic Data - March 2011 Assets $275.35 million Equity Capital $23.31 million Loan Loss Allowance $2.85 million Unbacked Noncurrent Loans $2.12 million Real Estate Owned $25,000 Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 1.76% Return on Equity 18.86% Interest Income $2.75 million

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 The Bank of Kremlin had $6.33 million in non-current loans and owned real-estate with $25.99 million in equity and loan loss allowances on hand to cover it. This gives The Bank of Kremlin a Texas Ratio of 24.37% 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 The Bank of Kremlin increased slightly from 7.49% as of March 31, 2011 to 24.37% as of March 31, 2012, resulting in a negative change of 225.58%. This indicates that the balance sheet and financial strength for The Bank of Kremlin has declined slightly in recent periods. Deposit Growth In the past year, The Bank of Kremlin has decreased its total deposits by -$26.38 million, resulting in -11.41% 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 Kremlin 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. The Bank of Kremlin has $245.32 million in assets with $25.99 million in equity, resulting in a capitalization level of 10.59%, which is above average.

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