First Missouri State Bank of Cape County

First Missouri State Bank of Cape County is headquartered in Cape Girardeau and is the 171^st largest bank in the state of Missouri. It is also the 4,464^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 28 employees at 4 locations. First Missouri State Bank of Cape County has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Missouri State Bank of Cape County FDIC Certificate # 58230 BankRate Report View Year Established 2006 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $120.14 million Loans $96.16 million Deposits $101.83 million Equity Capital $10.36 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $2.29 million Real Estate Owned $48,000 Historic Data - March 2011 Assets $109.62 million Equity Capital $9.77 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $832,000 Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 1.32% Return on Equity 15.36% Interest Income $1.40 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 Missouri State Bank of Cape County had $2.34 million in non-current loans and owned real-estate with $12.1 million in equity and loan loss allowances on hand to cover it. This gives First Missouri State Bank of Cape County a Texas Ratio of 19.34% 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 Missouri State Bank of Cape County increased slightly from 7.43% as of March 31, 2011 to 19.34% as of March 31, 2012, resulting in a negative change of 160.19%. This indicates that the balance sheet and financial strength for First Missouri State Bank of Cape County has declined slightly in recent periods. Deposit Growth In the past year, First Missouri State Bank of Cape County has increased its total deposits by $9.12 million, resulting in 9.84% 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 Missouri State Bank of Cape County 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 Missouri State Bank of Cape County has $120.14 million in assets with $12.1 million in equity, resulting in a capitalization level of 10.07%, which is above average.

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