America's Community Bank

America's Community Bank is headquartered in Blue Springs and is the 313^st largest bank in the state of Missouri. It is also the 7,018^st largest bank in the nation. It was established in 1888 and as of December of 2011, it had grown to 12 employees at 2 locations. America's Community Bank has a 4-star health rating.

America's Community Bank Routing Number: 101907196

Data for Q4 2011

Institution Statistics America's Community Bank FDIC Certificate # 8893 BankRate Report View Year Established 1888 Employees 12 Primary Regulator FED Assets and Liabilities Assets $28.22 million Loans $20.30 million Deposits $23.19 million Equity Capital $2.85 million Loan Loss Allowance $706,000 Unbacked Noncurrent Loans $58,000 Real Estate Owned $166,000 Historic Data - December 2010 Assets $33.70 million Equity Capital $2.70 million Loan Loss Allowance $616,000 Unbacked Noncurrent Loans $156,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets -0.44% Return on Equity -5.09% Interest Income $1.40 million

Institution Health Overall Score: 4 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 America's Community Bank had $224,000 in non-current loans and owned real-estate with $3.55 million in equity and loan loss allowances on hand to cover it. This gives America's Community Bank a Texas Ratio of 6.30% 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 America's Community Bank held steady from 4.71% as of December 31, 2010 to 6.30% as of December 31, 2011, resulting in a negative change of 33.81%. This indicates that the balance sheet and financial strength for America's Community Bank has held steady in recent periods. Deposit Growth In the past year, America's Community Bank has decreased its total deposits by -$4.64 million, resulting in -16.66% 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 America's Community Bank has shown is poor. 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. America's Community Bank has $28.22 million in assets with $3.55 million in equity, resulting in a capitalization level of 12.59%, which is excellent.

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