The Haviland State Bank

The Haviland State Bank is headquartered in Haviland and is the 243^rd largest bank in the state of Kansas. It is also the 6,713^st largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 11 employees at 2 locations. The Haviland State Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

The Haviland State Bank Checking Account Rates

The Haviland State Bank Savings Account Rates

The Haviland State Bank Money Market Rates

The Haviland State Bank CD Rates

Data for Q1 2012

Institution Statistics The Haviland State Bank FDIC Certificate # 17403 BankRate Report View Year Established 1903 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $38.92 million Loans $17.63 million Deposits $34.07 million Equity Capital $4.57 million Loan Loss Allowance $363,000 Unbacked Noncurrent Loans $725,000 Historic Data - March 2011 Assets $34.74 million Equity Capital $3.92 million Loan Loss Allowance $283,000 Unbacked Noncurrent Loans $729,000 Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.97% Return on Equity 8.04% Interest Income $387,000

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 Haviland State Bank had $725,000 in non-current loans and owned real-estate with $4.93 million in equity and loan loss allowances on hand to cover it. This gives The Haviland State Bank a Texas Ratio of 14.69% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Haviland State Bank decreased slightly from 17.34% as of March 31, 2011 to 14.69% as of March 31, 2012, resulting in a positive change of 15.26%.This indicates that the balance sheet and financial strength for The Haviland State Bank has improved slightly in recent periods. Deposit Growth In the past year, The Haviland State Bank has increased its total deposits by $3.6 million, resulting in 11.81% 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 Haviland 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 Haviland State Bank has $38.92 million in assets with $4.93 million in equity, resulting in a capitalization level of 12.68%, which is excellent.

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