FortuneBank

FortuneBank is headquartered in Arnold and is the 144^th largest bank in the state of Missouri. It is also the 3,869^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 35 employees at 1 location. FortuneBank has a 3-star health rating.

FortuneBank Routing Number: 081019175

Data for Q1 2012

Institution Statistics FortuneBank FDIC Certificate # 58107 BankRate Report View Year Established 2005 Employees 35 Primary Regulator FDIC Assets and Liabilities Assets $150.17 million Loans $110.23 million Deposits $120.31 million Equity Capital $16.48 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $6.43 million Real Estate Owned $706,000 Historic Data - March 2011 Assets $146.34 million Equity Capital $14.14 million Loan Loss Allowance $1.41 million Unbacked Noncurrent Loans $3.44 million Real Estate Owned $1.06 million Profit Margin - Quarterly Net Interest Margin 3.32% Return on Assets 0.37% Return on Equity 3.59% Interest Income $1.64 million

Institution Health Overall Score: 3 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 FortuneBank had $7.13 million in non-current loans and owned real-estate with $18.15 million in equity and loan loss allowances on hand to cover it. This gives FortuneBank a Texas Ratio of 39.31% 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 FortuneBank increased slightly from 25.58% as of March 31, 2011 to 39.31% as of March 31, 2012, resulting in a negative change of 53.67%. This indicates that the balance sheet and financial strength for FortuneBank has declined slightly in recent periods. Deposit Growth In the past year, FortuneBank has increased its total deposits by $1.67 million, resulting in 1.41% 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 FortuneBank 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. FortuneBank has $150.17 million in assets with $18.15 million in equity, resulting in a capitalization level of 12.08%, which is excellent.

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