Heritage Bank of the Ozarks

Heritage Bank of the Ozarks is headquartered in Lebanon and is the 279^th largest bank in the state of Missouri. It is also the 6,366^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 22 employees at 1 location. Heritage Bank of the Ozarks' savings rates are 92% higher than the national average, and it has a 4-star health rating.

Heritage Bank of the Ozarks Routing Number: 081519031

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Data for Q1 2012

Institution Statistics Heritage Bank of the Ozarks FDIC Certificate # 57576 BankRate Report View Year Established 2003 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $50.04 million Loans $40.29 million Deposits $35.96 million Equity Capital $5.14 million Loan Loss Allowance $617,000 Unbacked Noncurrent Loans $978,000 Real Estate Owned $7,000 Historic Data - March 2011 Assets $41.75 million Equity Capital $4.80 million Loan Loss Allowance $557,000 Unbacked Noncurrent Loans $943,000 Real Estate Owned $249,000 Profit Margin - Quarterly Net Interest Margin 4.57% Return on Assets 0.35% Return on Equity 3.28% Interest Income $622,000

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 Heritage Bank of the Ozarks had $985,000 in non-current loans and owned real-estate with $5.76 million in equity and loan loss allowances on hand to cover it. This gives Heritage Bank of the Ozarks a Texas Ratio of 17.10% 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 Heritage Bank of the Ozarks decreased slightly from 22.23% as of March 31, 2011 to 17.10% as of March 31, 2012, resulting in a positive change of 23.10%.This indicates that the balance sheet and financial strength for Heritage Bank of the Ozarks has improved slightly in recent periods. Deposit Growth In the past year, Heritage Bank of the Ozarks has increased its total deposits by $5.28 million, resulting in 17.22% 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 Heritage Bank of the Ozarks 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. Heritage Bank of the Ozarks has $50.04 million in assets with $5.76 million in equity, resulting in a capitalization level of 11.51%, which is above average.

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