The Nekoma State Bank

The Nekoma State Bank is headquartered in La Crosse and is the 241^st largest bank in the state of Kansas. It is also the 6,706^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 11 employees at 2 locations. The Nekoma State Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Nekoma State Bank FDIC Certificate # 13603 BankRate Report View Year Established 1916 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $39.32 million Loans $11.38 million Deposits $35.01 million Equity Capital $3.61 million Loan Loss Allowance $348,000 Unbacked Noncurrent Loans $33,000 Historic Data - March 2011 Assets $35.60 million Equity Capital $3.19 million Loan Loss Allowance $226,000 Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 1.01% Return on Equity 10.79% Interest Income $312,000

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 Nekoma State Bank had $33,000 in non-current loans and owned real-estate with $3.96 million in equity and loan loss allowances on hand to cover it. This gives The Nekoma State Bank a Texas Ratio of 0.83% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The Nekoma State Bank has increased its total deposits by $2.88 million, resulting in 8.97% 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 Nekoma 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 Nekoma State Bank has $39.32 million in assets with $3.96 million in equity, resulting in a capitalization level of 10.07%, which is above average.

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