Exchange Bank of Missouri

Exchange Bank of Missouri is headquartered in Fayette and is the 242^nd largest bank in the state of Missouri. It is also the 5,775^th largest bank in the nation. It was established in 1927 and as of March of 2012, it had grown to 25 employees at 3 locations. Exchange Bank of Missouri has a 5-star health rating.

Data for Q1 2012

Institution Statistics Exchange Bank of Missouri FDIC Certificate # 1616 BankRate Report View Year Established 1927 Employees 25 Primary Regulator FED Assets and Liabilities Assets $69.68 million Loans $47.68 million Deposits $62.27 million Equity Capital $7.22 million Loan Loss Allowance $266,000 Unbacked Noncurrent Loans $443,000 Real Estate Owned $96,000 Historic Data - March 2011 Assets $66.52 million Equity Capital $5.97 million Unbacked Noncurrent Loans $525,000 Real Estate Owned $115,000 Profit Margin - Quarterly Net Interest Margin 4.21% Return on Assets 1.22% Return on Equity 11.85% Interest Income $835,000

Institution Health Overall Score: 5 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 Exchange Bank of Missouri had $539,000 in non-current loans and owned real-estate with $7.49 million in equity and loan loss allowances on hand to cover it. This gives Exchange Bank of Missouri a Texas Ratio of 7.20% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Exchange Bank of Missouri decreased slightly from 10.73% as of March 31, 2011 to 7.20% as of March 31, 2012, resulting in a positive change of 32.91%.This indicates that the balance sheet and financial strength for Exchange Bank of Missouri has improved slightly in recent periods. Deposit Growth In the past year, Exchange Bank of Missouri has increased its total deposits by $4.89 million, resulting in 8.52% 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 Exchange Bank of Missouri 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. Exchange Bank of Missouri has $69.68 million in assets with $7.49 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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