Independent Farmers Bank

Independent Farmers Bank is headquartered in Maysville and is the 186^th largest bank in the state of Missouri. It is also the 4,805^th largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 29 employees at 5 locations. Independent Farmers Bank has a 4-star health rating.

Independent Farmers Bank Routing Number: 101216683

Data for Q1 2012

Institution Statistics Independent Farmers Bank FDIC Certificate # 11462 BankRate Report View Year Established 1920 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $105.70 million Loans $42.99 million Deposits $91.07 million Equity Capital $9.53 million Loan Loss Allowance $681,000 Unbacked Noncurrent Loans $934,000 Real Estate Owned $254,000 Historic Data - March 2011 Assets $93.33 million Equity Capital $7.49 million Loan Loss Allowance $747,000 Unbacked Noncurrent Loans $1.84 million Real Estate Owned $333,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 0.89% Return on Equity 9.98% Interest Income $1.12 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 Independent Farmers Bank had $1.19 million in non-current loans and owned real-estate with $10.21 million in equity and loan loss allowances on hand to cover it. This gives Independent Farmers Bank a Texas Ratio of 11.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Independent Farmers Bank decreased significantly from 26.40% as of March 31, 2011 to 11.63% as of March 31, 2012, resulting in a positive change of 55.94%.This indicates that the balance sheet and financial strength for Independent Farmers Bank has improved significantly in recent periods. Deposit Growth In the past year, Independent Farmers Bank has increased its total deposits by $11.48 million, resulting in 14.42% 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 Independent Farmers Bank 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. Independent Farmers Bank has $105.7 million in assets with $10.21 million in equity, resulting in a capitalization level of 9.66%, which is average.

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