The Exchange State Bank of St. Paul, Kansas

The Exchange State Bank of St. Paul, Kansas is headquartered in St. Paul and is the 183^rd largest bank in the state of Kansas. It is also the 5,798^th largest bank in the nation. It was established in 1914 and as of March of 2012, it had grown to 17 employees at 3 locations. The Exchange State Bank of St. Paul, Kansas has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Exchange State Bank of St. Paul, Kansas FDIC Certificate # 14556 BankRate Report View Year Established 1914 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $69.06 million Loans $29.67 million Deposits $59.06 million Equity Capital $5.30 million Loan Loss Allowance $558,000 Unbacked Noncurrent Loans $17,000 Real Estate Owned $262,000 Historic Data - March 2011 Assets $67.31 million Equity Capital $4.57 million Loan Loss Allowance $565,000 Unbacked Noncurrent Loans $319,000 Real Estate Owned $116,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 0.89% Return on Equity 11.67% Interest Income $727,000

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 Exchange State Bank of St. Paul, Kansas had $279,000 in non-current loans and owned real-estate with $5.86 million in equity and loan loss allowances on hand to cover it. This gives The Exchange State Bank of St. Paul, Kansas a Texas Ratio of 4.76% 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 Exchange State Bank of St. Paul, Kansas decreased significantly from 8.47% as of March 31, 2011 to 4.76% as of March 31, 2012, resulting in a positive change of 43.76%.This indicates that the balance sheet and financial strength for The Exchange State Bank of St. Paul, Kansas has improved significantly in recent periods. Deposit Growth In the past year, The Exchange State Bank of St. Paul, Kansas has increased its total deposits by $1.38 million, resulting in 2.4% 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 Exchange State Bank of St. Paul, Kansas 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 Exchange State Bank of St. Paul, Kansas has $69.06 million in assets with $5.86 million in equity, resulting in a capitalization level of 8.48%, which is average.

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