The Payne County Bank

The Payne County Bank is headquartered in Perkins and is the 115^st largest bank in the state of Oklahoma. It is also the 4,293^rd largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 29 employees at 1 location. The Payne County Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

The Payne County Bank Checking Account Rates

The Payne County Bank Savings Account Rates

The Payne County Bank Money Market Rates

The Payne County Bank CD Rates

The Payne County Bank IRA Rates

Data for Q1 2012

Institution Statistics The Payne County Bank FDIC Certificate # 12485 BankRate Report View Year Established 1898 Employees 29 Primary Regulator FED Assets and Liabilities Assets $128.18 million Loans $71.75 million Deposits $103.66 million Equity Capital $24.10 million Loan Loss Allowance $933,000 Unbacked Noncurrent Loans $635,000 Real Estate Owned $19,000 Historic Data - March 2011 Assets $123.03 million Equity Capital $21.33 million Loan Loss Allowance $971,000 Unbacked Noncurrent Loans $393,000 Profit Margin - Quarterly Net Interest Margin 5.02% Return on Assets 2.94% Return on Equity 15.71% Interest Income $1.63 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 Payne County Bank had $654,000 in non-current loans and owned real-estate with $25.03 million in equity and loan loss allowances on hand to cover it. This gives The Payne County Bank a Texas Ratio of 2.61% 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 Payne County Bank held steady from 1.76% as of March 31, 2011 to 2.61% as of March 31, 2012, resulting in a negative change of 48.27%. This indicates that the balance sheet and financial strength for The Payne County Bank has held steady in recent periods. Deposit Growth In the past year, The Payne County Bank has increased its total deposits by $2.38 million, resulting in 2.35% 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 Payne County 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 Payne County Bank has $128.18 million in assets with $25.03 million in equity, resulting in a capitalization level of 19.53%, which is excellent.

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