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	Report Group 1	Report Group 2	Report Group 3
Institution Type:
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Report Date:

State Banking Performance Summary

FDIC-Insured Institutions

	All Insured Institutions Kansas June 30, 2012			All Insured Institutions Kansas June 30, 2011			All Insured Institutions Kansas June 30, 2010
(dollar figures in millions)	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million	All Institutions	Assets less than $100 million	Assets greater than $100 million
Number of institutions reporting	314	187	127	324	200	124	337	214	123
Total employees (full-time equivalent)	15,214	2,534	12,680	15,269	2,724	12,545	15,416	3,002	12,414
AGGREGATE CONDITION AND INCOME DATA
Net income (year-to-date)	281	38	243	234	41	193	87	29	58
Total assets	62,183	9,349	52,834	62,188	9,702	52,486	61,845	10,050	51,795
Earning assets	57,482	8,560	48,922	57,052	8,889	48,163	56,992	9,211	47,781
Total loans & leases	33,658	5,079	28,580	34,611	5,419	29,192	37,351	5,953	31,398
Other real estate owned	627	51	576	898	51	847	646	43	603
Total deposits	47,621	7,892	39,728	47,405	8,162	39,244	47,479	8,403	39,075
Equity capital	7,401	1,063	6,339	7,313	1,088	6,225	6,293	1,122	5,171
PERFORMANCE RATIOS (YTD, %)
Yield on earning assets	4.06	4.40	4.01	4.41	4.76	4.35	4.78	5.12	4.72
Cost of funding earning assets	0.88	0.70	0.91	1.17	0.94	1.21	1.52	1.26	1.57
Net interest margin	3.19	3.70	3.10	3.24	3.81	3.14	3.26	3.85	3.15
Noninterest income to avg. earning assets	1.27	0.62	1.38	1.06	0.72	1.12	1.09	0.74	1.16
Noninterest expense to avg. earning assets	3.04	3.24	3.01	3.02	3.31	2.97	2.98	3.36	2.91
Net charge-offs to loans & leases	0.32	0.25	0.34	0.60	0.40	0.64	1.42	0.64	1.56
Credit-loss provision to net charge-offs	117.14	98.80	119.62	84.07	108.19	81.27	99.08	129.59	96.73
Net operating income to average assets	0.91	0.74	0.93	0.74	0.82	0.73	0.27	0.54	0.21
Retained earnings to average equity	3.50	3.58	3.49	3.10	4.51	2.86	-1.24	1.76	-1.89
Pre tax return on assets	1.09	0.93	1.11	0.90	0.91	0.90	0.43	0.68	0.38
Return on assets	0.90	0.82	0.92	0.75	0.85	0.73	0.28	0.58	0.22
Return on equity	7.69	7.22	7.77	6.53	7.76	6.32	2.79	5.25	2.26
Percent of unprofitable institutions	6.69	8.56	3.94	9.26	9.50	8.87	16.91	16.82	17.07
Percent of institutions with earning gains	64.33	59.36	71.65	57.72	57.00	58.87	50.15	48.13	53.66
CONDITION RATIOS (%)
Net loans and leases to assets	53.13	53.33	53.09	54.55	54.87	54.49	59.31	58.21	59.52
Loss allowance to:
Loans and leases	1.85	1.83	1.85	1.99	1.76	2.03	1.79	1.72	1.81
Noncurrent loans a	93.49	149.80	87.67	62.43	118.68	58.01	55.05	97.51	51.05
Noncurrent loans & leases to
total loans & leas	1.97	1.22	2.11	3.18	1.48	3.50	3.26	1.76	3.54
Nonperforming assets to assets	2.10	1.21	2.25	3.22	1.36	3.56	3.01	1.47	3.31
Core deposits to total liabilities	73.51	79.40	72.47	71.32	77.86	70.10	69.30	76.81	67.86
Equity capital to total assets	11.90	11.37	12.00	11.76	11.22	11.86	10.18	11.16	9.98
Core capital (leverage) ratio	11.07	10.53	11.16	10.98	10.42	11.08	9.36	10.38	9.17
Total capital to risk-weighted assets	19.49	18.16	19.73	19.27	17.72	19.57	15.80	17.04	15.55
Gross 1-4 family mortgages to gross assets	18.52	13.54	19.40	18.11	13.95	18.88	19.31	14.68	20.20
Gross real estate assets to gross assets	54.44	42.46	56.56	54.30	42.74	56.43	54.25	42.93	56.44


Source: Call Report and Thrift Financial Report Prepared by the FDIC-Division of Insurance and Research

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