Community Bank of Missouri

Community Bank of Missouri is headquartered in Richmond and is the 277^th largest bank in the state of Missouri. It is also the 6,339^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 14 employees at 2 locations. Community Bank of Missouri has a 3-star health rating.

Community Bank of Missouri Routing Number: 101918965

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Data for Q1 2012

Institution Statistics Community Bank of Missouri FDIC Certificate # 57141 BankRate Report View Year Established 2001 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $51.22 million Loans $27.39 million Deposits $39.55 million Equity Capital $5.51 million Loan Loss Allowance $637,000 Unbacked Noncurrent Loans $200,000 Real Estate Owned $1.75 million Historic Data - March 2011 Assets $55.90 million Equity Capital $5.51 million Loan Loss Allowance $861,000 Unbacked Noncurrent Loans $1.09 million Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.91% Return on Equity 8.21% Interest Income $570,000

Institution Health Overall Score: 3 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 Community Bank of Missouri had $1.94 million in non-current loans and owned real-estate with $6.15 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Missouri a Texas Ratio of 31.62% 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 Community Bank of Missouri held steady from 33.69% as of March 31, 2011 to 31.62% as of March 31, 2012, resulting in a positive change of 6.15%.This indicates that the balance sheet and financial strength for Community Bank of Missouri has held steady in recent periods. Deposit Growth In the past year, Community Bank of Missouri has decreased its total deposits by -$4.66 million, resulting in -10.53% 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 Community Bank of Missouri has shown is poor. 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. Community Bank of Missouri has $51.22 million in assets with $6.15 million in equity, resulting in a capitalization level of 12.01%, which is excellent.

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