Commercial Bank (MO)

Commercial Bank (MO) is headquartered in Saint Louis and is the 121^st largest bank in the state of Missouri. It is also the 3,459^th largest bank in the nation. It was established in 1988 and as of December of 2012, it had grown to 41 employees at 3 locations. Commercial Bank (MO)'s savings rates are 92% higher than the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Commercial Bank FDIC Certificate # 27409 BankRate Report View Year Established 1988 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $172.92 million Loans $103.12 million Deposits $155.02 million Equity Capital $14.35 million Loan Loss Allowance $2.34 million Unbacked Noncurrent Loans $2.02 million Real Estate Owned $2.05 million Historic Data - December 2011 Assets $163.11 million Equity Capital $13.58 million Loan Loss Allowance $2.72 million Unbacked Noncurrent Loans $3.82 million Real Estate Owned $2.96 million Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.6% Return on Equity 7.15% Interest Income $7.14 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, 2012 Commercial Bank (MO) had $4.07 million in non-current loans and owned real-estate with $16.69 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank (MO) a Texas Ratio of 24.41% 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 Commercial Bank (MO) decreased significantly from 41.58% as of December 31, 2011 to 24.41% as of December 31, 2012, resulting in a positive change of 41.30%.This indicates that the balance sheet and financial strength for Commercial Bank (MO) has improved significantly in recent periods. Deposit Growth In the past year, Commercial Bank (MO) has increased its total deposits by $11.26 million, resulting in 7.83% 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 Commercial Bank (MO) 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. Commercial Bank (MO) has $172.92 million in assets with $16.69 million in equity, resulting in a capitalization level of 9.65%, which is average.

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