First Bank of Missouri

First Bank of Missouri is headquartered in Gladstone and is the 45^th largest bank in the state of Missouri. It is also the 1,320^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 103 employees at 10 locations. First Bank of Missouri has a 4-star health rating.

First Bank of Missouri Routing Number: 101001018

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Data for Q1 2012

Institution Statistics First Bank of Missouri FDIC Certificate # 18815 BankRate Report View Year Established 1963 Employees 103 Primary Regulator FDIC Assets and Liabilities Assets $513.36 million Loans $306.10 million Deposits $406.06 million Equity Capital $67.93 million Loan Loss Allowance $6.09 million Unbacked Noncurrent Loans $2.79 million Real Estate Owned $5.35 million Historic Data - March 2011 Assets $510.90 million Equity Capital $62.46 million Loan Loss Allowance $6.31 million Unbacked Noncurrent Loans $2.19 million Real Estate Owned $5.77 million Profit Margin - Quarterly Net Interest Margin 3.69% Return on Assets 1.12% Return on Equity 8.56% Interest Income $5.30 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 First Bank of Missouri had $8.14 million in non-current loans and owned real-estate with $74.02 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Missouri a Texas Ratio of 10.99% 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 First Bank of Missouri held steady from 11.57% as of March 31, 2011 to 10.99% as of March 31, 2012, resulting in a positive change of 4.99%.This indicates that the balance sheet and financial strength for First Bank of Missouri has held steady in recent periods. Deposit Growth In the past year, First Bank of Missouri has decreased its total deposits by -$2.54 million, resulting in -0.62% 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 First Bank of Missouri has shown is 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. First Bank of Missouri has $513.36 million in assets with $74.02 million in equity, resulting in a capitalization level of 14.42%, which is excellent.

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