The Lyndon State Bank

The Lyndon State Bank is headquartered in Lyndon and is the 153^rd largest bank in the state of Kansas. It is also the 5,438^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 28 employees at 3 locations. The Lyndon State Bank has a 2-star health rating.

The Lyndon State Bank CD Rates

The Lyndon State Bank IRA Rates

Data for Q1 2012

Institution Statistics The Lyndon State Bank FDIC Certificate # 12135 BankRate Report View Year Established 1901 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $81.35 million Loans $50.77 million Deposits $68.69 million Equity Capital $7.88 million Loan Loss Allowance $698,000 Unbacked Noncurrent Loans $1.86 million Real Estate Owned $1.97 million Historic Data - March 2011 Assets $84.96 million Equity Capital $7.56 million Loan Loss Allowance $873,000 Unbacked Noncurrent Loans $2.43 million Real Estate Owned $770,000 Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 0.92% Return on Equity 9.5% Interest Income $1.09 million

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 Lyndon State Bank had $3.83 million in non-current loans and owned real-estate with $8.58 million in equity and loan loss allowances on hand to cover it. This gives The Lyndon State Bank a Texas Ratio of 44.69% 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 Lyndon State Bank increased slightly from 38.01% as of March 31, 2011 to 44.69% as of March 31, 2012, resulting in a negative change of 17.60%. This indicates that the balance sheet and financial strength for The Lyndon State Bank has declined slightly in recent periods. Deposit Growth In the past year, The Lyndon State Bank has decreased its total deposits by -$3.27 million, resulting in -4.55% 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 Lyndon State Bank 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 Lyndon State Bank has $81.35 million in assets with $8.58 million in equity, resulting in a capitalization level of 10.54%, which is above average.

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