Vision Bank

Vision Bank is headquartered in Topeka and is the 151^st largest bank in the state of Kansas. It is also the 5,472^nd largest bank in the nation. It was established in 2005 and as of September of 2011, it had grown to 20 employees at 2 locations. Vision Bank's savings rates are 4X the national average, and it has a 3-star health rating.

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Data for Q3 2011

Institution Statistics VisionBank FDIC Certificate # 58000 BankRate Report View Year Established 2005 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $81.05 million Loans $59.16 million Deposits $63.14 million Equity Capital $7.84 million Loan Loss Allowance $813,000 Real Estate Owned $2.64 million Historic Data - September 2010 Assets $79.15 million Equity Capital $7.63 million Loan Loss Allowance $902,000 Unbacked Noncurrent Loans $1.89 million Real Estate Owned $1.22 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 0.29% Return on Equity 3.14% Interest Income $2.88 million

Institution Health Overall Score: 3 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 September 30, 2011 Vision Bank had $2.64 million in non-current loans and owned real-estate with $8.65 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank a Texas Ratio of 30.49% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Vision Bank decreased slightly from 36.49% as of September 30, 2010 to 30.49% as of September 30, 2011, resulting in a positive change of 16.44%.This indicates that the balance sheet and financial strength for Vision Bank has improved slightly in recent periods. Deposit Growth In the past year, Vision Bank has increased its total deposits by $1.1 million, resulting in 1.77% 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 Vision 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. Vision Bank has $81.05 million in assets with $8.65 million in equity, resulting in a capitalization level of 10.67%, which is above average.

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