Commercial Bank of Oak Grove, Mo.

Commercial Bank of Oak Grove, Mo. is headquartered in Oak Grove and is the 221^st largest bank in the state of Missouri. It is also the 5,314^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 19 employees at 1 location. Commercial Bank of Oak Grove, Mo. has a 4-star health rating.

Data for Q1 2012

Institution Statistics Commercial Bank of Oak Grove, Mo. FDIC Certificate # 9811 BankRate Report View Year Established 1907 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $86.54 million Loans $32.35 million Deposits $74.92 million Equity Capital $11.45 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $554,000 Real Estate Owned $1.61 million Historic Data - March 2011 Assets $84.45 million Equity Capital $11.99 million Loan Loss Allowance $2.01 million Unbacked Noncurrent Loans $953,000 Real Estate Owned $1.09 million Profit Margin - Quarterly Net Interest Margin 2.16% Return on Assets -1.78% Return on Equity -13.35% Interest Income $578,000

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 March 31, 2012 Commercial Bank of Oak Grove, Mo. had $2.16 million in non-current loans and owned real-estate with $13.21 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank of Oak Grove, Mo. a Texas Ratio of 16.38% 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 of Oak Grove, Mo. held steady from 14.59% as of March 31, 2011 to 16.38% as of March 31, 2012, resulting in a negative change of 12.31%. This indicates that the balance sheet and financial strength for Commercial Bank of Oak Grove, Mo. has held steady in recent periods. Deposit Growth In the past year, Commercial Bank of Oak Grove, Mo. has increased its total deposits by $2.64 million, resulting in 3.65% 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 of Oak Grove, Mo. 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. Commercial Bank of Oak Grove, Mo. has $86.54 million in assets with $13.21 million in equity, resulting in a capitalization level of 15.26%, which is excellent.

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