The Bennington State Bank

The Bennington State Bank is headquartered in Salina and is the 27^th largest bank in the state of Kansas. It is also the 1,504^th largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 92 employees at 7 locations. The Bennington State Bank's money market rates are 14% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The Bennington State Bank FDIC Certificate # 16402 BankRate Report View Year Established 1884 Employees 92 Primary Regulator FDIC Assets and Liabilities Assets $445.32 million Loans $279.12 million Deposits $370.14 million Equity Capital $48.23 million Loan Loss Allowance $4.82 million Unbacked Noncurrent Loans $4.62 million Real Estate Owned $2.00 million Historic Data - March 2011 Assets $406.99 million Equity Capital $42.73 million Loan Loss Allowance $3.39 million Unbacked Noncurrent Loans $3.60 million Real Estate Owned $1.77 million Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 1.98% Return on Equity 18.46% Interest Income $4.88 million

Institution Health Overall Score: 4 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 Bennington State Bank had $6.62 million in non-current loans and owned real-estate with $53.05 million in equity and loan loss allowances on hand to cover it. This gives The Bennington State Bank a Texas Ratio of 12.47% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bennington State Bank held steady from 11.67% as of March 31, 2011 to 12.47% as of March 31, 2012, resulting in a negative change of 6.84%. This indicates that the balance sheet and financial strength for The Bennington State Bank has held steady in recent periods. Deposit Growth In the past year, The Bennington State Bank has increased its total deposits by $31.17 million, resulting in 9.19% 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 Bennington 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. The Bennington State Bank has $445.32 million in assets with $53.05 million in equity, resulting in a capitalization level of 11.91%, which is above average.

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