First Bank of the Lake

First Bank of the Lake is headquartered in Osage Beach and is the 301^st largest bank in the state of Missouri. It is also the 6,784^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 11 employees at 1 location. First Bank of the Lake has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Bank of the Lake FDIC Certificate # 26960 BankRate Report View Year Established 1987 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $36.49 million Loans $23.12 million Deposits $29.10 million Equity Capital $6.21 million Loan Loss Allowance $118,000 Unbacked Noncurrent Loans $141,000 Real Estate Owned $914,000 Historic Data - March 2011 Assets $33.70 million Equity Capital $5.96 million Loan Loss Allowance $640,000 Unbacked Noncurrent Loans $1.24 million Real Estate Owned $139,000 Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets -0.26% Return on Equity -1.54% Interest Income $398,000

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 the Lake had $1.06 million in non-current loans and owned real-estate with $6.33 million in equity and loan loss allowances on hand to cover it. This gives First Bank of the Lake a Texas Ratio of 16.67% which is 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 the Lake decreased slightly from 20.84% as of March 31, 2011 to 16.67% as of March 31, 2012, resulting in a positive change of 20.01%.This indicates that the balance sheet and financial strength for First Bank of the Lake has improved slightly in recent periods. Deposit Growth In the past year, First Bank of the Lake has increased its total deposits by $3.19 million, resulting in 12.32% 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 the Lake 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. First Bank of the Lake has $36.49 million in assets with $6.33 million in equity, resulting in a capitalization level of 17.35%, which is excellent.

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