Bank of Belton

Bank of Belton is headquartered in Belton and is the 285^th largest bank in the state of Missouri. It is also the 6,459^th largest bank in the nation. It was established in 1884 and as of December of 2011, it had grown to 29 employees at 1 location. Bank of Belton has a 2-star health rating.

Bank of Belton Routing Number: 101005360

Data for Q4 2011

Institution Statistics Bank of Belton FDIC Certificate # 1623 BankRate Report View Year Established 1884 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $47.32 million Loans $22.23 million Deposits $43.98 million Equity Capital $3.21 million Loan Loss Allowance $494,000 Unbacked Noncurrent Loans $1.76 million Real Estate Owned $3.14 million Historic Data - December 2010 Assets $46.86 million Equity Capital $3.64 million Loan Loss Allowance $581,000 Unbacked Noncurrent Loans $3.19 million Real Estate Owned $2.27 million Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets -0.87% Return on Equity -12.23% Interest Income $1.53 million

Institution Health Overall Score: 2 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 of Belton had $4.9 million in non-current loans and owned real-estate with $3.7 million in equity and loan loss allowances on hand to cover it. This gives Bank of Belton a Texas Ratio of 132.52% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Belton held steady from 122.51% as of December 31, 2010 to 132.52% as of December 31, 2011, resulting in a negative change of 8.17%. This indicates that the balance sheet and financial strength for Bank of Belton has held steady in recent periods. Deposit Growth In the past year, Bank of Belton has increased its total deposits by $874,000, resulting in 2.03% 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 of Belton has shown is above average. 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 of Belton has $47.32 million in assets with $3.7 million in equity, resulting in a capitalization level of 7.82%, which is below average.

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