Bank 21

Bank 21 is headquartered in Carrollton and is the 268^th largest bank in the state of Missouri. It is also the 6,288^th largest bank in the nation. It was established in 1912 and as of December of 2011, it had grown to 23 employees at 5 locations. Bank 21 has a 3-star health rating.

Bank 21 Routing Number: 101908988

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Data for Q4 2011

Institution Statistics Bank 21 FDIC Certificate # 8560 BankRate Report View Year Established 1912 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $52.72 million Loans $27.42 million Deposits $46.18 million Equity Capital $5.22 million Loan Loss Allowance $592,000 Unbacked Noncurrent Loans $874,000 Historic Data - December 2010 Assets $55.47 million Equity Capital $5.14 million Loan Loss Allowance $420,000 Unbacked Noncurrent Loans $867,000 Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets 0.23% Return on Equity 2.31% Interest Income $2.31 million

Institution Health Overall Score: 3 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 Bank 21 had $874,000 in non-current loans and owned real-estate with $5.81 million in equity and loan loss allowances on hand to cover it. This gives Bank 21 a Texas Ratio of 15.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank 21 held steady from 15.59% as of December 31, 2010 to 15.04% as of December 31, 2011, resulting in a positive change of 3.53%.This indicates that the balance sheet and financial strength for Bank 21 has held steady in recent periods. Deposit Growth In the past year, Bank 21 has decreased its total deposits by -$2.82 million, resulting in -5.76% 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 Bank 21 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. Bank 21 has $52.72 million in assets with $5.81 million in equity, resulting in a capitalization level of 11.02%, which is above average.

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