The First State Bank & Trust Co. of Larned

The First State Bank & Trust Co. of Larned is headquartered in Larned and is the 114^st largest bank in the state of Kansas. It is also the 4,629^th largest bank in the nation. It was established in 1896 and as of March of 2012, it had grown to 26 employees at 4 locations. The First State Bank & Trust Co. of Larned has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First State Bank & Trust Co. of Larned FDIC Certificate # 15899 BankRate Report View Year Established 1896 Employees 26 Primary Regulator FED Assets and Liabilities Assets $113.15 million Loans $58.11 million Deposits $97.83 million Equity Capital $13.10 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $71,000 Historic Data - March 2011 Assets $105.58 million Equity Capital $12.39 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $50,000 Profit Margin - Quarterly Net Interest Margin 4.03% Return on Assets 1.25% Return on Equity 10.55% Interest Income $1.13 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 First State Bank & Trust Co. of Larned had $71,000 in non-current loans and owned real-estate with $14.47 million in equity and loan loss allowances on hand to cover it. This gives The First State Bank & Trust Co. of Larned a Texas Ratio of 0.49% 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 First State Bank & Trust Co. of Larned held steady from 0.37% as of March 31, 2011 to 0.49% as of March 31, 2012, resulting in a negative change of 32.77%. This indicates that the balance sheet and financial strength for The First State Bank & Trust Co. of Larned has held steady in recent periods. Deposit Growth In the past year, The First State Bank & Trust Co. of Larned has increased its total deposits by $6.83 million, resulting in 7.51% 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 & Trust Co. of Larned 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 First State Bank & Trust Co. of Larned has $113.15 million in assets with $14.47 million in equity, resulting in a capitalization level of 12.79%, which is excellent.

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