Towanda State Bank

Towanda State Bank is headquartered in Towanda and is the 311^st largest bank in the state of Kansas. It is also the 7,281^st largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 8 employees at 1 location. Towanda State Bank has a 4-star health rating.

Towanda State Bank Routing Number: 101110608

Data for Q1 2012

Institution Statistics Towanda State Bank FDIC Certificate # 15009 BankRate Report View Year Established 1934 Employees 8 Primary Regulator FDIC Assets and Liabilities Assets $9.17 million Loans $6.52 million Deposits $8.26 million Equity Capital $794,000 Loan Loss Allowance $95,000 Unbacked Noncurrent Loans $76,000 Real Estate Owned $46,000 Historic Data - March 2011 Assets $9.20 million Equity Capital $811,000 Loan Loss Allowance $99,000 Unbacked Noncurrent Loans $66,000 Real Estate Owned $74,000 Profit Margin - Quarterly Net Interest Margin 5.09% Return on Assets 0.7% Return on Equity 8.14% Interest Income $118,000

Institution Health Overall Score: 4 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 Towanda State Bank had $122,000 in non-current loans and owned real-estate with $889,000 in equity and loan loss allowances on hand to cover it. This gives Towanda State Bank a Texas Ratio of 13.72% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Towanda State Bank held steady from 15.38% as of March 31, 2011 to 13.72% as of March 31, 2012, resulting in a positive change of 10.80%.This indicates that the balance sheet and financial strength for Towanda State Bank has held steady in recent periods. Deposit Growth In the past year, Towanda State Bank has decreased its total deposits by $-3,000, resulting in -0.04% 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 Towanda State Bank has shown is 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. Towanda State Bank has $9.17 million in assets with $889,000 in equity, resulting in a capitalization level of 9.70%, which is average.

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