The Community Bank (KS)

The Community Bank (KS) is headquartered in Liberal and is the 138^th largest bank in the state of Kansas. It is also the 5,201^st largest bank in the nation. It was established in 1998 and as of March of 2012, it had grown to 23 employees at 2 locations. The Community Bank (KS)'s savings rates are 15% higher than the national average, and it has a 4-star health rating.

The Community Bank (KS) Checking Account Rates

The Community Bank (KS) Savings Account Rates

The Community Bank (KS) Money Market Rates

The Community Bank (KS) CD Rates

The Community Bank (KS) IRA Rates

Data for Q1 2012

Institution Statistics The Community Bank FDIC Certificate # 34666 BankRate Report View Year Established 1998 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $90.57 million Loans $43.66 million Deposits $80.08 million Equity Capital $9.78 million Loan Loss Allowance $1.57 million Unbacked Noncurrent Loans $1.83 million Historic Data - March 2011 Assets $88.42 million Equity Capital $8.68 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $1.95 million Real Estate Owned $80,000 Profit Margin - Quarterly Net Interest Margin 3.03% Return on Assets 0.67% Return on Equity 6.55% Interest Income $753,000

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 Community Bank (KS) had $1.83 million in non-current loans and owned real-estate with $11.35 million in equity and loan loss allowances on hand to cover it. This gives The Community Bank (KS) a Texas Ratio of 16.13% 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 Community Bank (KS) decreased slightly from 19.75% as of March 31, 2011 to 16.13% as of March 31, 2012, resulting in a positive change of 18.34%.This indicates that the balance sheet and financial strength for The Community Bank (KS) has improved slightly in recent periods. Deposit Growth In the past year, The Community Bank (KS) has increased its total deposits by $1.08 million, resulting in 1.37% 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 Community Bank (KS) has shown is above average. 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 Community Bank (KS) has $90.57 million in assets with $11.35 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

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