Exchange Bank of Northeast Missouri

Exchange Bank of Northeast Missouri is headquartered in Kahoka and is the 145^th largest bank in the state of Missouri. It is also the 3,879^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 39 employees at 6 locations. Exchange Bank of Northeast Missouri has a 3-star health rating.

Exchange Bank of Northeast Missouri Routing Number: 081503814

Data for Q1 2012

Institution Statistics Exchange Bank of Northeast Missouri FDIC Certificate # 8274 BankRate Report View Year Established 1903 Employees 39 Primary Regulator FED Assets and Liabilities Assets $149.55 million Loans $67.17 million Deposits $120.02 million Equity Capital $13.90 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $1.88 million Real Estate Owned $133,000 Historic Data - March 2011 Assets $142.04 million Equity Capital $12.64 million Loan Loss Allowance $757,000 Unbacked Noncurrent Loans $398,000 Real Estate Owned $625,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 1.28% Return on Equity 13.05% Interest Income $1.46 million

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 Exchange Bank of Northeast Missouri had $2.01 million in non-current loans and owned real-estate with $14.93 million in equity and loan loss allowances on hand to cover it. This gives Exchange Bank of Northeast Missouri a Texas Ratio of 13.46% 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 Exchange Bank of Northeast Missouri increased slightly from 7.64% as of March 31, 2011 to 13.46% as of March 31, 2012, resulting in a negative change of 76.32%. This indicates that the balance sheet and financial strength for Exchange Bank of Northeast Missouri has declined slightly in recent periods. Deposit Growth In the past year, Exchange Bank of Northeast Missouri has decreased its total deposits by -$4.62 million, resulting in -3.7% 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 Northeast Missouri 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. Exchange Bank of Northeast Missouri has $149.55 million in assets with $14.93 million in equity, resulting in a capitalization level of 9.98%, which is average.

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