The Western State Bank

The Western State Bank is headquartered in Garden City and is the 26^th largest bank in the state of Kansas. It is also the 1,470^th largest bank in the nation. It was established in 1973 and as of March of 2012, it had grown to 114 employees at 10 locations. The Western State Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Western State Bank FDIC Certificate # 21121 BankRate Report View Year Established 1973 Employees 114 Primary Regulator FDIC Assets and Liabilities Assets $454.31 million Loans $235.40 million Deposits $402.88 million Equity Capital $50.29 million Loan Loss Allowance $6.27 million Unbacked Noncurrent Loans $2.95 million Real Estate Owned $513,000 Historic Data - March 2011 Assets $419.94 million Equity Capital $44.76 million Loan Loss Allowance $6.18 million Unbacked Noncurrent Loans $3.84 million Real Estate Owned $963,000 Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 1.31% Return on Equity 12.18% Interest Income $4.07 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 Western State Bank had $3.46 million in non-current loans and owned real-estate with $56.56 million in equity and loan loss allowances on hand to cover it. This gives The Western State Bank a Texas Ratio of 6.12% 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 Western State Bank decreased slightly from 9.43% as of March 31, 2011 to 6.12% as of March 31, 2012, resulting in a positive change of 35.11%.This indicates that the balance sheet and financial strength for The Western State Bank has improved slightly in recent periods. Deposit Growth In the past year, The Western State Bank has increased its total deposits by $58.32 million, resulting in 16.93% 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 Western 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 Western State Bank has $454.31 million in assets with $56.56 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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