Bank of Bloomsdale

Bank of Bloomsdale is headquartered in Bloomsdale and is the 112^st largest bank in the state of Missouri. It is also the 3,181^st largest bank in the nation. It was established in 1914 and as of December of 2011, it had grown to 43 employees at 4 locations. Bank of Bloomsdale has a 4-star health rating.

Bank of Bloomsdale Routing Number: 081914814

Data for Q4 2011

Institution Statistics Bank of Bloomsdale FDIC Certificate # 9788 BankRate Report View Year Established 1914 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $193.34 million Loans $108.36 million Deposits $172.36 million Equity Capital $19.83 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $1.76 million Real Estate Owned $2.73 million Historic Data - December 2010 Assets $186.00 million Equity Capital $18.11 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $2.16 million Real Estate Owned $1.93 million Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 2.41% Return on Equity 24.67% Interest Income $8.99 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 Bank of Bloomsdale had $4.5 million in non-current loans and owned real-estate with $21.35 million in equity and loan loss allowances on hand to cover it. This gives Bank of Bloomsdale a Texas Ratio of 21.06% 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 of Bloomsdale held steady from 20.87% as of December 31, 2010 to 21.06% as of December 31, 2011, resulting in a negative change of 0.91%. This indicates that the balance sheet and financial strength for Bank of Bloomsdale has held steady in recent periods. Deposit Growth In the past year, Bank of Bloomsdale has increased its total deposits by $6.03 million, resulting in 3.63% 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 Bloomsdale 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 Bloomsdale has $193.34 million in assets with $21.35 million in equity, resulting in a capitalization level of 11.04%, which is above average.

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