First Independent Bank (MO)

First Independent Bank (MO) is headquartered in Aurora and is the 218^st largest bank in the state of Missouri. It is also the 5,283^rd largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 29 employees at 1 location. First Independent Bank (MO) has a 2-star health rating.

Data for Q1 2012

Institution Statistics First Independent Bank FDIC Certificate # 18380 BankRate Report View Year Established 1906 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $87.58 million Loans $55.89 million Deposits $78.29 million Equity Capital $9.00 million Loan Loss Allowance $897,000 Unbacked Noncurrent Loans $2.28 million Real Estate Owned $1.30 million Historic Data - March 2011 Assets $92.26 million Equity Capital $8.56 million Loan Loss Allowance $870,000 Unbacked Noncurrent Loans $1.52 million Real Estate Owned $1.86 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.44% Return on Equity 4.24% Interest Income $937,000

Institution Health Overall Score: 2 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 Independent Bank (MO) had $3.57 million in non-current loans and owned real-estate with $9.89 million in equity and loan loss allowances on hand to cover it. This gives First Independent Bank (MO) a Texas Ratio of 36.09% 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 Independent Bank (MO) held steady from 34.54% as of March 31, 2011 to 36.09% as of March 31, 2012, resulting in a negative change of 4.48%. This indicates that the balance sheet and financial strength for First Independent Bank (MO) has held steady in recent periods. Deposit Growth In the past year, First Independent Bank (MO) has decreased its total deposits by -$5.05 million, resulting in -6.06% 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 Independent Bank (MO) has shown is poor. 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 Independent Bank (MO) has $87.58 million in assets with $9.89 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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