The Bank

The Bank Locations
104 South Penn
Oberlin, KS 67749
www.thebankks.com

The Bank is headquartered in Oberlin and is the 64th largest bank in the state of Kansas. It is also the 3,028th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 39 employees at 10 locations. The Bank has a 5-star health rating.

The Bank Routing Number: 101105969

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Data for Q1 2012


Institution Statistics


The Bank
FDIC Certificate #26522
BankRate ReportView
Year Established1985
Employees39
Primary RegulatorFDIC

Assets and Liabilities

Assets$207.60 million
Loans$120.47 million
Deposits$182.36 million
Equity Capital$20.16 million
Loan Loss Allowance$1.47 million
Unbacked Noncurrent Loans$529,000

Historic Data - March 2011

Assets$188.84 million
Equity Capital$17.99 million
Loan Loss Allowance$1.44 million
Unbacked Noncurrent Loans$186,000
Real Estate Owned$185,000

Profit Margin - Quarterly

Net Interest Margin3.94%
Return on Assets2.37%
Return on Equity23.74%
Interest Income$2.08 million

Institution Health


Overall Score:
5 out of 5
5
Texas Ratio5
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 had $529,000 in non-current loans and owned real-estate with $21.63 million in equity and loan loss allowances on hand to cover it. This gives The Bank a Texas Ratio of 2.45% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend5
The Texas Ratio for The Bank decreased significantly from 5.33% as of March 31, 2011 to 2.45% as of March 31, 2012, resulting in a positive change of 54.08%.This indicates that the balance sheet and financial strength for The Bank has improved significantly in recent periods.
Deposit Growth5
In the past year, The Bank has increased its total deposits by $15.02 million, resulting in 8.98% 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 excellent.
Capitalization4
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 $207.6 million in assets with $21.63 million in equity, resulting in a capitalization level of 10.42%, which is above average.
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