The Lawrence Bank

The Lawrence Bank is headquartered in Lawrence and is the 176^th largest bank in the state of Kansas. It is also the 5,747^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 17 employees at 2 locations. The Lawrence Bank has a 4-star health rating.

The Lawrence Bank Money Market Rates

The Lawrence Bank CD Rates

The Lawrence Bank IRA Rates

Data for Q1 2012

Institution Statistics The Lawrence Bank FDIC Certificate # 35292 BankRate Report View Year Established 2000 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $71.12 million Loans $55.46 million Deposits $57.19 million Equity Capital $10.70 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $1.04 million Real Estate Owned $1.07 million Historic Data - March 2011 Assets $70.22 million Equity Capital $10.84 million Loan Loss Allowance $974,000 Unbacked Noncurrent Loans $176,000 Real Estate Owned $1.25 million Profit Margin - Quarterly Net Interest Margin 4.4% Return on Assets 1.06% Return on Equity 6.94% Interest Income $858,000

Institution Health Overall Score: 4 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 Lawrence Bank had $2.11 million in non-current loans and owned real-estate with $11.78 million in equity and loan loss allowances on hand to cover it. This gives The Lawrence Bank a Texas Ratio of 17.90% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Lawrence Bank increased slightly from 12.07% as of March 31, 2011 to 17.90% as of March 31, 2012, resulting in a negative change of 48.34%. This indicates that the balance sheet and financial strength for The Lawrence Bank has declined slightly in recent periods. Deposit Growth In the past year, The Lawrence Bank has increased its total deposits by $1.03 million, resulting in 1.83% 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 Lawrence Bank 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 Lawrence Bank has $71.12 million in assets with $11.78 million in equity, resulting in a capitalization level of 16.56%, which is excellent.

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