The First State Bank of Burlingame

The First State Bank of Burlingame is headquartered in Burlingame and is the 282^nd largest bank in the state of Kansas. It is also the 7,070^th largest bank in the nation. It was established in 1941 and as of March of 2012, it had grown to 8 employees at 1 location. The First State Bank of Burlingame has a 2-star health rating.

Data for Q1 2012

Institution Statistics The First State Bank of Burlingame FDIC Certificate # 15794 BankRate Report View Year Established 1941 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $25.11 million Loans $15.14 million Deposits $24.18 million Equity Capital $563,000 Loan Loss Allowance $401,000 Unbacked Noncurrent Loans $342,000 Real Estate Owned $40,000 Historic Data - March 2011 Assets $27.19 million Equity Capital $839,000 Loan Loss Allowance $489,000 Unbacked Noncurrent Loans $399,000 Real Estate Owned $305,000 Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets -1.71% Return on Equity -69.28% Interest Income $274,000

Institution Health Overall Score: 2 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 First State Bank of Burlingame had $382,000 in non-current loans and owned real-estate with $964,000 in equity and loan loss allowances on hand to cover it. This gives The First State Bank of Burlingame a Texas Ratio of 39.63% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First State Bank of Burlingame decreased slightly from 53.01% as of March 31, 2011 to 39.63% as of March 31, 2012, resulting in a positive change of 25.25%.This indicates that the balance sheet and financial strength for The First State Bank of Burlingame has improved slightly in recent periods. Deposit Growth In the past year, The First State Bank of Burlingame has decreased its total deposits by -$1.13 million, resulting in -4.46% 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 First State Bank of Burlingame has shown is below 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 First State Bank of Burlingame has $25.11 million in assets with $964,000 in equity, resulting in a capitalization level of 3.84%, which is poor.

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