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Overview / Commentary
205 S. Penn
Oberlin, KS 67749

The Bank is headquartered in Oberlin and is the 38th largest bank in the state of Kansas. It is also the 2,092nd largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 52 employees at 12 locations. The Bank has a A health rating.

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Health

Data for Q1 2014

Institution Health

A

Texas Ratio

GRADE:
A+

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 The Bank had $433,000 in non-current loans and owned real-estate with $32.31 million in equity and loan loss allowances on hand to cover it. This gives The Bank a Texas Ratio of 1.34% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Bank experienced no significant changes from 0.08% as of March 31, 2013 to 1.34% as of March 31, 2014, resulting in a negative change of 1,626.99%. This indicates that the balance sheet and financial strength for The Bank has had no significant changes in recent periods.

Deposit Growth

GRADE:
C+

In the past year, The Bank has decreased its total deposits by -$2.66 million, resulting in -0.97% 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 has shown is average.

Capitalization

GRADE:
B+

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 has $314.1 million in assets with $32.31 million in equity, resulting in a capitalization level of 10.29%, which is above average.

Institution Statistics

Overall
FDIC Certificate #26522
Year Established1985
Employees52
Primary RegulatorFDIC
Assets and Liabilities
Assets$314.10 million
Loans$190.38 million
Deposits$270.25 million
Equity Capital$30.88 million
Loan Loss Allowance$1.43 million
Unbacked Noncurrent Loans$285,000
Real Estate Owned$148,000
Historic Data - March 2013
Assets$307.18 million
Equity Capital$29.46 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$285,000
Real Estate Owned$88,000
Profit Margin - Quarterly
Net Interest Margin3.47%
Return on Assets1.81%
Return on Equity18.23%
Interest Income$2.68 million
Rates

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Locations

The Bank has 12 locations. Click to view all The Bank locations.