Community Bank of Raymore

Community Bank of Raymore is headquartered in Raymore and is the 126^th largest bank in the state of Missouri. It is also the 3,487^th largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 48 employees at 3 locations. Community Bank of Raymore has a 4-star health rating.

Community Bank of Raymore Routing Number: 101003773

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Data for Q1 2012

Institution Statistics Community Bank of Raymore FDIC Certificate # 22867 BankRate Report View Year Established 1979 Employees 48 Primary Regulator FED Assets and Liabilities Assets $173.12 million Loans $107.35 million Deposits $157.07 million Equity Capital $15.10 million Loan Loss Allowance $1.12 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $280,000 Historic Data - March 2011 Assets $164.56 million Equity Capital $14.16 million Loan Loss Allowance $798,000 Real Estate Owned $306,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 1.78% Return on Equity 20.34% Interest Income $1.57 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 March 31, 2012 Community Bank of Raymore had $1.76 million in non-current loans and owned real-estate with $16.22 million in equity and loan loss allowances on hand to cover it. This gives Community Bank of Raymore a Texas Ratio of 10.86% 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 Community Bank of Raymore increased slightly from 2.05% as of March 31, 2011 to 10.86% as of March 31, 2012, resulting in a negative change of 430.67%. This indicates that the balance sheet and financial strength for Community Bank of Raymore has declined slightly in recent periods. Deposit Growth In the past year, Community Bank of Raymore has increased its total deposits by $7.45 million, resulting in 4.98% 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 Raymore 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. Community Bank of Raymore has $173.12 million in assets with $16.22 million in equity, resulting in a capitalization level of 9.37%, which is average.

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