Alton Bank

Alton Bank is headquartered in Alton and is the 256^th largest bank in the state of Missouri. It is also the 6,074^th largest bank in the nation. It was established in 1924 and as of December of 2011, it had grown to 15 employees at 2 locations. Alton Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics Alton Bank FDIC Certificate # 8276 BankRate Report View Year Established 1924 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $60.24 million Loans $32.35 million Deposits $50.10 million Equity Capital $9.99 million Loan Loss Allowance $343,000 Unbacked Noncurrent Loans $511,000 Historic Data - December 2010 Assets $51.25 million Equity Capital $9.31 million Loan Loss Allowance $343,000 Unbacked Noncurrent Loans $140,000 Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 4.64% Return on Assets 1.89% Return on Equity 10.73% Interest Income $2.74 million

Institution Health Overall Score: 5 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 December 31, 2011 Alton Bank had $511,000 in non-current loans and owned real-estate with $10.34 million in equity and loan loss allowances on hand to cover it. This gives Alton Bank a Texas Ratio of 4.94% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Alton Bank held steady from 2.44% as of December 31, 2010 to 4.94% as of December 31, 2011, resulting in a negative change of 102.95%. This indicates that the balance sheet and financial strength for Alton Bank has held steady in recent periods. Deposit Growth In the past year, Alton Bank has increased its total deposits by $8.24 million, resulting in 19.7% 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 Alton Bank has shown is excellent. 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. Alton Bank has $60.24 million in assets with $10.34 million in equity, resulting in a capitalization level of 17.16%, which is excellent.

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