Belgrade State Bank

Belgrade State Bank is headquartered in Belgrade and is the 111^st largest bank in the state of Missouri. It is also the 3,164^th largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 77 employees at 6 locations. Belgrade State Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Belgrade State Bank FDIC Certificate # 12208 BankRate Report View Year Established 1906 Employees 77 Primary Regulator FED Assets and Liabilities Assets $194.85 million Loans $141.97 million Deposits $171.77 million Equity Capital $22.16 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $1.72 million Real Estate Owned $787,000 Historic Data - December 2010 Assets $190.18 million Equity Capital $20.71 million Loan Loss Allowance $1.68 million Unbacked Noncurrent Loans $1.66 million Real Estate Owned $222,000 Profit Margin - Quarterly Net Interest Margin 4.5% Return on Assets 0.57% Return on Equity 5.16% Interest Income $9.39 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 Belgrade State Bank had $2.51 million in non-current loans and owned real-estate with $23.82 million in equity and loan loss allowances on hand to cover it. This gives Belgrade State Bank a Texas Ratio of 10.54% 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 Belgrade State Bank held steady from 8.40% as of December 31, 2010 to 10.54% as of December 31, 2011, resulting in a negative change of 25.54%. This indicates that the balance sheet and financial strength for Belgrade State Bank has held steady in recent periods. Deposit Growth In the past year, Belgrade State Bank has increased its total deposits by $3.28 million, resulting in 1.95% 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 Belgrade State Bank 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. Belgrade State Bank has $194.85 million in assets with $23.82 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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