Bank of Lee's Summit

Bank of Lee's Summit is headquartered in Lees Summit and is the 82^nd largest bank in the state of Missouri. It is also the 2,361^st largest bank in the nation. It was established in 1868 and as of December of 2011, it had grown to 72 employees at 4 locations. Bank of Lee's Summit has a 4-star health rating.

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Data for Q4 2011

Institution Statistics Bank of Lee's Summit FDIC Certificate # 8886 BankRate Report View Year Established 1868 Employees 72 Primary Regulator FDIC Assets and Liabilities Assets $270.54 million Loans $113.70 million Deposits $215.50 million Equity Capital $51.11 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $124,000 Real Estate Owned $5.16 million Historic Data - December 2010 Assets $267.83 million Equity Capital $49.55 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $726,000 Real Estate Owned $5.86 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.58% Return on Equity 3.1% Interest Income $9.58 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 Lee's Summit had $5.29 million in non-current loans and owned real-estate with $52.7 million in equity and loan loss allowances on hand to cover it. This gives Bank of Lee's Summit a Texas Ratio of 10.03% which is above 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 Lee's Summit decreased slightly from 12.91% as of December 31, 2010 to 10.03% as of December 31, 2011, resulting in a positive change of 22.26%.This indicates that the balance sheet and financial strength for Bank of Lee's Summit has improved slightly in recent periods. Deposit Growth In the past year, Bank of Lee's Summit has increased its total deposits by $1.9 million, resulting in 0.89% 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 Lee's Summit has shown is 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 Lee's Summit has $270.54 million in assets with $52.7 million in equity, resulting in a capitalization level of 19.48%, which is excellent.

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