Empire Bank

Empire Bank is headquartered in Springfield and is the 23^rd largest bank in the state of Missouri. It is also the 632^nd largest bank in the nation. It was established in 1956 and as of December of 2012, it had grown to 259 employees at 22 locations. Empire Bank has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Empire Bank FDIC Certificate # 17633 BankRate Report View Year Established 1956 Employees 259 Primary Regulator FDIC Assets and Liabilities Assets $1.05 billion Loans $802.64 million Deposits $845.87 million Equity Capital $95.93 million Loan Loss Allowance $14.67 million Unbacked Noncurrent Loans $6.47 million Real Estate Owned $7.16 million Historic Data - December 2011 Assets $1.02 billion Equity Capital $94.79 million Loan Loss Allowance $14.88 million Unbacked Noncurrent Loans $5.32 million Real Estate Owned $7.40 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 1.12% Return on Equity 12.43% Interest Income $46.63 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, 2012 Empire Bank had $13.63 million in non-current loans and owned real-estate with $110.6 million in equity and loan loss allowances on hand to cover it. This gives Empire Bank a Texas Ratio of 12.32% 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 Empire Bank held steady from 11.75% as of December 31, 2011 to 12.32% as of December 31, 2012, resulting in a negative change of 4.88%. This indicates that the balance sheet and financial strength for Empire Bank has held steady in recent periods. Deposit Growth In the past year, Empire Bank has decreased its total deposits by -$21.76 million, resulting in -2.51% 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 Empire Bank has shown is below 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. Empire Bank has $1.05 billion in assets with $110.6 million in equity, resulting in a capitalization level of 10.51%, which is above average.

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