Silver Lake Bank was established in 1909 and remains a locally owned and operated bank in Topeka, Kansas.  Silver Lake Bank has been FDIC insured since December 16, 1935.  Silver Lake Bank is chartered as a Federal Reserve Non-member.  Therefore the primary regulator is the Federal Deposit Insurance Corporation (FDIC).  At the close of 2008, the bank had assets of $202,928,000 and total deposits of $153,706,000.  For the full year of 2008, the bank had net income of $2,272,000.

Silver Lake Bank most recent performance ratios.
As of December 31, 2008:

Yield on earning assets 6.49% 
Cost of funding earning assets 2.39% 
Net interest margin 4.10%
Return on assets (ROA) 1.12%
Return on equity (ROE) 9.20%
Noncurrent loans to loans 0.27%
Equity capital to assets 12.74% 
Core capital (leverage) ratio 12.42% 
Tier 1 risk-based capital ratio 14.22% 
Total risk-based capital ratio 14.96%

Silver Lake Bank products and services:

Consumer bank products and services include: deposit products such as NOW accounts, checking accounts, interest bearing checking accounts, money market and savings accounts, free checking accounts, passbook savings accounts, health savings accounts, IRAs and certificates of deposit.  The bank loan portfolio comprises real estate loans, such as residential mortgages, home equity loans, construction loans, RV loans, auto loans, boat loans, motorcycle loans, CD secured loans, and other personal loans.  Business products and services include business checking, business money market accounts, cash management accounts, commercial loans, agricultural loans and real estate loans.  The bank also offers telephone banking, online banking, safe deposit boxes, domestic and international wire transfers, night deposit, ATM cards and VISA credit and debit cards.

Silver Lake Bank branch locations:

Main Office
Silver Lake Bank
201 NW Hwy.24
P.O. Box 8330
Topeka, KS 66608
Phone: 785.232.0102 Fax: 785.232.4010

Silver Lake Bank
2011 SW Gage Blvd.
Topeka, KS 66604
Phone: 785.272-2270 Fax: 785.272.7303

Silver Lake Bank
2100 SW Urish Rd.
Topeka, KS 66614
Phone: 785.290.2270 Fax: 785.290.2273

Silver Lake Bank
209 Railroad St.
P.O. Box 69
Silver Lake, KS 66539
Phone: 785.582.4651 Fax: 785.582.4120

Silver Lake Bank web address: www.wainwrightbank.com

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