First State Bank of St. Charles, Missouri

First State Bank of St. Charles, Missouri is headquartered in St. Charles and is the 97^th largest bank in the state of Missouri. It is also the 2,798^th largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 112 employees at 5 locations. First State Bank of St. Charles, Missouri has a 4-star health rating.

Data for Q1 2012

Institution Statistics First State Bank of St. Charles, Missouri FDIC Certificate # 12219 BankRate Report View Year Established 1867 Employees 112 Primary Regulator FDIC Assets and Liabilities Assets $227.83 million Loans $143.10 million Deposits $191.15 million Equity Capital $32.30 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $3.06 million Real Estate Owned $3.48 million Historic Data - March 2011 Assets $206.83 million Equity Capital $31.38 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $668,000 Real Estate Owned $7.23 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 0.95% Return on Equity 6.6% Interest Income $2.34 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 State Bank of St. Charles, Missouri had $6.54 million in non-current loans and owned real-estate with $33.58 million in equity and loan loss allowances on hand to cover it. This gives First State Bank of St. Charles, Missouri a Texas Ratio of 19.47% 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 State Bank of St. Charles, Missouri decreased slightly from 23.85% as of March 31, 2011 to 19.47% as of March 31, 2012, resulting in a positive change of 18.34%.This indicates that the balance sheet and financial strength for First State Bank of St. Charles, Missouri has improved slightly in recent periods. Deposit Growth In the past year, First State Bank of St. Charles, Missouri has increased its total deposits by $16.32 million, resulting in 9.34% 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 State Bank of St. Charles, Missouri 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 State Bank of St. Charles, Missouri has $227.83 million in assets with $33.58 million in equity, resulting in a capitalization level of 14.74%, which is excellent.

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