The Denison State Bank

The Denison State Bank is headquartered in Holton and is the 42^nd largest bank in the state of Kansas. It is also the 2,240^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 64 employees at 5 locations. The Denison State Bank has a 5-star health rating.

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The Denison State Bank CD Rates

Data for Q1 2012

Institution Statistics The Denison State Bank FDIC Certificate # 15305 BankRate Report View Year Established 1901 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $291.53 million Loans $178.62 million Deposits $243.65 million Equity Capital $34.03 million Loan Loss Allowance $4.05 million Unbacked Noncurrent Loans $1.38 million Real Estate Owned $804,000 Historic Data - March 2011 Assets $270.94 million Equity Capital $31.30 million Loan Loss Allowance $4.10 million Unbacked Noncurrent Loans $4.08 million Real Estate Owned $873,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.78% Return on Equity 15.42% Interest Income $3.31 million

Institution Health Overall Score: 5 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 Denison State Bank had $2.18 million in non-current loans and owned real-estate with $38.08 million in equity and loan loss allowances on hand to cover it. This gives The Denison State Bank a Texas Ratio of 5.73% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Denison State Bank decreased significantly from 14.00% as of March 31, 2011 to 5.73% as of March 31, 2012, resulting in a positive change of 59.08%.This indicates that the balance sheet and financial strength for The Denison State Bank has improved significantly in recent periods. Deposit Growth In the past year, The Denison State Bank has increased its total deposits by $18.45 million, resulting in 8.19% 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 Denison 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 Denison State Bank has $291.53 million in assets with $38.08 million in equity, resulting in a capitalization level of 13.06%, which is excellent.

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