First Central Bank (MO)

First Central Bank (MO) is headquartered in Warrensburg and is the 103^rd largest bank in the state of Missouri. It is also the 2,937^th largest bank in the nation. It was established in 1984 and as of December of 2012, it had grown to 53 employees at 7 locations. First Central Bank (MO) has a 5-star health rating.

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Data for Q4 2012

Institution Statistics First Central Bank FDIC Certificate # 25268 BankRate Report View Year Established 1984 Employees 53 Primary Regulator FDIC Assets and Liabilities Assets $213.38 million Loans $99.77 million Deposits $171.97 million Equity Capital $35.77 million Loan Loss Allowance $2.45 million Unbacked Noncurrent Loans $705,000 Real Estate Owned $580,000 Historic Data - December 2011 Assets $208.08 million Equity Capital $35.68 million Loan Loss Allowance $2.85 million Unbacked Noncurrent Loans $837,000 Real Estate Owned $760,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 1.11% Return on Equity 6.51% Interest Income $7.95 million

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 December 31, 2012 First Central Bank (MO) had $1.28 million in non-current loans and owned real-estate with $38.22 million in equity and loan loss allowances on hand to cover it. This gives First Central Bank (MO) a Texas Ratio of 3.36% 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 First Central Bank (MO) held steady from 3.82% as of December 31, 2011 to 3.36% as of December 31, 2012, resulting in a positive change of 12.05%.This indicates that the balance sheet and financial strength for First Central Bank (MO) has held steady in recent periods. Deposit Growth In the past year, First Central Bank (MO) has increased its total deposits by $4.55 million, resulting in 2.72% 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 Central Bank (MO) has shown is above 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 Central Bank (MO) has $213.38 million in assets with $38.22 million in equity, resulting in a capitalization level of 17.91%, which is excellent.

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