B&L Bank

B&L Bank is headquartered in Lexington and is the 137^th largest bank in the state of Missouri. It is also the 3,752^nd largest bank in the nation. It was established in 1887 and as of December of 2011, it had grown to 26 employees at 3 locations. B&L Bank has a 4-star health rating.

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Data for Q4 2011

Institution Statistics B&L Bank OTS # 05755 FDIC Certificate # 30691 BankRate Report View Year Established 1887 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $155.23 million Loans $85.64 million Deposits $139.16 million Equity Capital $15.49 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $4.24 million Real Estate Owned $947,000 Historic Data - December 2010 Assets $150.82 million Equity Capital $14.74 million Loan Loss Allowance $1.50 million Unbacked Noncurrent Loans $6.13 million Real Estate Owned $237,000 Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 0.47% Return on Equity 4.52% Interest Income $5.63 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 B&L Bank had $5.18 million in non-current loans and owned real-estate with $16.72 million in equity and loan loss allowances on hand to cover it. This gives B&L Bank a Texas Ratio of 31.00% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for B&L Bank decreased slightly from 39.20% as of December 31, 2010 to 31.00% as of December 31, 2011, resulting in a positive change of 20.93%.This indicates that the balance sheet and financial strength for B&L Bank has improved slightly in recent periods. Deposit Growth In the past year, B&L Bank has increased its total deposits by $7.26 million, resulting in 5.5% 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 B&L Bank has shown is excellent. 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. B&L Bank has $155.23 million in assets with $16.72 million in equity, resulting in a capitalization level of 10.77%, which is above average.

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