The Kearny County Bank

The Kearny County Bank is headquartered in Lakin and is the 100^th largest bank in the state of Kansas. It is also the 4,414^st largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 18 employees at 1 location. The Kearny County Bank's savings rates are 94% higher than the national average, and it boasts a 5-star health rating.

The Kearny County Bank Checking Account Rates

The Kearny County Bank Savings Account Rates

The Kearny County Bank Money Market Rates

The Kearny County Bank CD Rates

Data for Q1 2012

Institution Statistics The Kearny County Bank FDIC Certificate # 15194 BankRate Report View Year Established 1888 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $122.12 million Loans $48.84 million Deposits $94.70 million Equity Capital $26.75 million Loan Loss Allowance $924,000 Unbacked Noncurrent Loans $965,000 Historic Data - March 2011 Assets $118.18 million Equity Capital $25.33 million Loan Loss Allowance $1.04 million Unbacked Noncurrent Loans $2.08 million Real Estate Owned $51,000 Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 1.85% Return on Equity 8.53% 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 Kearny County Bank had $965,000 in non-current loans and owned real-estate with $27.67 million in equity and loan loss allowances on hand to cover it. This gives The Kearny County Bank a Texas Ratio of 3.49% 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 Kearny County Bank decreased significantly from 8.22% as of March 31, 2011 to 3.49% as of March 31, 2012, resulting in a positive change of 57.56%.This indicates that the balance sheet and financial strength for The Kearny County Bank has improved significantly in recent periods. Deposit Growth In the past year, The Kearny County Bank has increased its total deposits by $5 million, resulting in 5.57% 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 Kearny County 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 Kearny County Bank has $122.12 million in assets with $27.67 million in equity, resulting in a capitalization level of 22.66%, which is excellent.

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