The Mission Bank

The Mission Bank is headquartered in Mission and is the 20^th largest bank in the state of Kansas. It is also the 1,230^th largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 87 employees at 7 locations. The Mission Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics The Mission Bank FDIC Certificate # 23173 BankRate Report View Year Established 1980 Employees 87 Primary Regulator FDIC Assets and Liabilities Assets $550.60 million Loans $296.60 million Deposits $374.64 million Equity Capital $85.73 million Loan Loss Allowance $8.49 million Unbacked Noncurrent Loans $3.10 million Real Estate Owned $16.49 million Historic Data - March 2011 Assets $554.98 million Equity Capital $80.99 million Loan Loss Allowance $12.12 million Unbacked Noncurrent Loans $11.19 million Real Estate Owned $10.54 million Profit Margin - Quarterly Net Interest Margin 3.1% Return on Assets 0.76% Return on Equity 4.98% Interest Income $5.40 million

Institution Health Overall Score: 3 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 Mission Bank had $19.58 million in non-current loans and owned real-estate with $94.22 million in equity and loan loss allowances on hand to cover it. This gives The Mission Bank a Texas Ratio of 20.78% 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 Mission Bank held steady from 23.34% as of March 31, 2011 to 20.78% as of March 31, 2012, resulting in a positive change of 10.96%.This indicates that the balance sheet and financial strength for The Mission Bank has held steady in recent periods. Deposit Growth In the past year, The Mission Bank has decreased its total deposits by -$11.75 million, resulting in -3.04% 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 Mission 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 Mission Bank has $550.6 million in assets with $94.22 million in equity, resulting in a capitalization level of 17.11%, which is excellent.

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