Landmark Bank, National Association

Landmark Bank, National Association is headquartered in Columbia and is the 10^st largest bank in the state of Missouri. It is also the 398^th largest bank in the nation. It was established in 1865 and as of March of 2012, it had grown to 600 employees at 38 locations. Landmark Bank, National Association has a 5-star health rating.

Data for Q1 2012

Institution Statistics Landmark Bank, National Association FDIC Certificate # 4537 BankRate Report View Year Established 1865 Employees 600 Primary Regulator OCC Assets and Liabilities Assets $1.71 billion Loans $1.14 billion Deposits $1.55 billion Equity Capital $154.47 million Loan Loss Allowance $20.79 million Unbacked Noncurrent Loans $8.04 million Real Estate Owned $6.98 million Historic Data - March 2011 Assets $1.55 billion Equity Capital $131.24 million Loan Loss Allowance $20.46 million Unbacked Noncurrent Loans $10.16 million Real Estate Owned $10.39 million Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.22% Return on Equity 13.54% Interest Income $18.57 million

Institution Health Overall Score: 5 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 Landmark Bank, National Association had $15.02 million in non-current loans and owned real-estate with $175.26 million in equity and loan loss allowances on hand to cover it. This gives Landmark Bank, National Association a Texas Ratio of 8.57% 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 Landmark Bank, National Association decreased slightly from 13.62% as of March 31, 2011 to 8.57% as of March 31, 2012, resulting in a positive change of 37.06%.This indicates that the balance sheet and financial strength for Landmark Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Landmark Bank, National Association has increased its total deposits by $135.98 million, resulting in 9.65% 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 Landmark Bank, National Association 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. Landmark Bank, National Association has $1.71 billion in assets with $175.26 million in equity, resulting in a capitalization level of 10.24%, which is above average.

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