First Commercial Bank

First Commercial Bank is headquartered in Gideon and is the 100^th largest bank in the state of Missouri. It is also the 2,846^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 43 employees at 9 locations. First Commercial Bank's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Commercial Bank FDIC Certificate # 10621 BankRate Report View Year Established 1920 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $224.49 million Loans $121.61 million Deposits $177.65 million Equity Capital $20.17 million Loan Loss Allowance $5.55 million Unbacked Noncurrent Loans $800,000 Real Estate Owned $15.07 million Historic Data - March 2011 Assets $207.64 million Equity Capital $18.98 million Loan Loss Allowance $4.91 million Unbacked Noncurrent Loans $7.95 million Real Estate Owned $14.74 million Profit Margin - Quarterly Net Interest Margin 3.2% Return on Assets 0.52% Return on Equity 5.76% Interest Income $2.21 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 Commercial Bank had $15.87 million in non-current loans and owned real-estate with $25.72 million in equity and loan loss allowances on hand to cover it. This gives First Commercial Bank a Texas Ratio of 61.69% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Commercial Bank decreased slightly from 94.94% as of March 31, 2011 to 61.69% as of March 31, 2012, resulting in a positive change of 35.02%.This indicates that the balance sheet and financial strength for First Commercial Bank has improved slightly in recent periods. Deposit Growth In the past year, First Commercial Bank has increased its total deposits by $19.37 million, resulting in 12.24% 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 Commercial Bank 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 Commercial Bank has $224.49 million in assets with $25.72 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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