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

State Banking Performance Summary

FDIC-Insured Institutions

	All Insured Institutions Kansas December 31, 2012			All Insured Institutions Kansas December 31, 2011			All Insured Institutions Kansas December 31, 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	300	172	128	318	191	127	326	202	124
Total employees (full-time equivalent)	15,388	2,349	13,039	14,957	2,574	12,383	15,399	2,819	12,580
AGGREGATE CONDITION AND INCOME DATA
Net income (year-to-date)	535	69	466	447	69	379	307	50	257
Total assets	63,567	8,845	54,722	61,920	9,249	52,671	62,962	9,692	53,269
Earning assets	58,555	8,093	50,462	57,026	8,460	48,566	57,870	8,910	48,960
Total loans & leases	35,096	4,874	30,223	33,942	5,171	28,771	35,989	5,632	30,357
Other real estate owned	510	44	466	698	50	648	860	45	815
Total deposits	48,930	7,446	41,484	47,051	7,775	39,276	48,083	8,126	39,957
Equity capital	7,409	1,008	6,400	7,242	1,059	6,183	7,056	1,050	6,006
PERFORMANCE RATIOS (YTD, %)
Yield on earning assets	4.00	4.35	3.94	4.32	4.73	4.25	4.57	5.10	4.48
Cost of funding earning assets	0.84	0.66	0.86	1.09	0.88	1.12	1.44	1.22	1.47
Net interest margin	3.16	3.69	3.08	3.23	3.85	3.12	3.14	3.88	3.01
Noninterest income to avg. earning assets	1.40	0.67	1.52	1.08	0.78	1.13	1.29	0.71	1.39
Noninterest expense to avg. earning assets	3.16	3.29	3.14	3.06	3.47	2.98	3.03	3.47	2.96
Net charge-offs to loans & leases	0.50	0.22	0.55	0.67	0.50	0.70	1.27	0.70	1.37
Credit-loss provision to net charge-offs	92.50	106.54	91.59	72.97	96.29	69.95	86.27	117.15	83.49
Net operating income to average assets	0.86	0.74	0.88	0.72	0.69	0.73	0.46	0.48	0.46
Retained earnings to average equity	2.29	2.84	2.20	2.55	3.19	2.44	0.70	0.78	0.68
Pre tax return on assets	1.05	0.91	1.07	0.89	0.86	0.90	0.65	0.59	0.66
Return on assets	0.87	0.80	0.88	0.74	0.76	0.73	0.48	0.52	0.47
Return on equity	7.36	6.92	7.42	6.33	6.73	6.26	4.62	4.72	4.60
Percent of unprofitable institutions	5.00	6.40	3.13	8.49	9.42	7.09	15.95	15.35	16.94
Percent of institutions with earning gains	60.67	57.56	64.84	67.30	65.45	70.08	58.59	56.44	62.10
CONDITION RATIOS (%)
Net loans and leases to assets	54.29	54.12	54.32	53.82	54.92	53.63	56.03	57.08	55.84
Loss allowance to:
Loans and leases	1.67	1.78	1.66	1.81	1.76	1.82	1.97	1.77	2.01
Noncurrent loans a	93.75	119.73	90.35	81.10	134.84	75.83	55.08	114.36	50.79
Noncurrent loans & leases to
total loans & leas	1.79	1.49	1.83	2.23	1.31	2.40	3.58	1.54	3.96
Nonperforming assets to assets	1.81	1.32	1.89	2.36	1.28	2.55	3.42	1.36	3.80
Core deposits to total liabilities	74.14	79.61	73.25	72.12	78.58	70.99	70.33	76.84	69.15
Equity capital to total assets	11.65	11.40	11.70	11.70	11.45	11.74	11.21	10.83	11.27
Core capital (leverage) ratio	11.05	10.72	11.11	11.03	10.65	11.10	10.28	10.26	10.29
Total capital to risk-weighted assets	18.98	18.18	19.11	19.15	18.22	19.33	18.47	17.17	18.72
Gross 1-4 family mortgages to gross assets	19.29	13.92	20.15	18.68	14.34	19.44	18.19	14.28	18.90
Gross real estate assets to gross assets	53.62	41.81	55.53	53.89	43.20	55.77	52.67	42.79	54.46


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

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