The Trego-WaKeeney State Bank

The Trego-WaKeeney State Bank is headquartered in Wakeeney and is the 202^nd largest bank in the state of Kansas. It is also the 6,046^th largest bank in the nation. It was established in 1951 and as of March of 2012, it had grown to 10 employees at 1 location. The Trego-WaKeeney State Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Trego-WaKeeney State Bank FDIC Certificate # 16971 BankRate Report View Year Established 1951 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $61.10 million Loans $24.93 million Deposits $55.09 million Equity Capital $5.94 million Loan Loss Allowance $629,000 Unbacked Noncurrent Loans $8,000 Historic Data - March 2011 Assets $56.22 million Equity Capital $5.75 million Loan Loss Allowance $599,000 Unbacked Noncurrent Loans $19,000 Profit Margin - Quarterly Net Interest Margin 2.77% Return on Assets 1.11% Return on Equity 11.62% Interest Income $442,000

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 Trego-WaKeeney State Bank had $8,000 in non-current loans and owned real-estate with $6.57 million in equity and loan loss allowances on hand to cover it. This gives The Trego-WaKeeney State Bank a Texas Ratio of 0.12% 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 Trego-WaKeeney State Bank decreased significantly from 0.30% as of March 31, 2011 to 0.12% as of March 31, 2012, resulting in a positive change of 59.34%.This indicates that the balance sheet and financial strength for The Trego-WaKeeney State Bank has improved significantly in recent periods. Deposit Growth In the past year, The Trego-WaKeeney State Bank has increased its total deposits by $4.71 million, resulting in 9.34% 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 Trego-WaKeeney 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 Trego-WaKeeney State Bank has $61.1 million in assets with $6.57 million in equity, resulting in a capitalization level of 10.76%, which is above average.

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