Lawson Bank

Lawson Bank is headquartered in Lawson and is the 162^nd largest bank in the state of Missouri. It is also the 4,274^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 40 employees at 4 locations. Lawson Bank has a 4-star health rating.

Lawson Bank Routing Number: 101906605

Data for Q1 2012

Institution Statistics Lawson Bank FDIC Certificate # 11457 BankRate Report View Year Established 1883 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $128.98 million Loans $56.51 million Deposits $116.21 million Equity Capital $11.70 million Loan Loss Allowance $892,000 Unbacked Noncurrent Loans $400,000 Real Estate Owned $1.37 million Historic Data - March 2011 Assets $124.70 million Equity Capital $9.99 million Loan Loss Allowance $983,000 Unbacked Noncurrent Loans $33,000 Real Estate Owned $2.19 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 1.1% Return on Equity 12.21% Interest Income $1.26 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 Lawson Bank had $1.76 million in non-current loans and owned real-estate with $12.6 million in equity and loan loss allowances on hand to cover it. This gives Lawson Bank a Texas Ratio of 14.01% 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 Lawson Bank decreased slightly from 20.28% as of March 31, 2011 to 14.01% as of March 31, 2012, resulting in a positive change of 30.90%.This indicates that the balance sheet and financial strength for Lawson Bank has improved slightly in recent periods. Deposit Growth In the past year, Lawson Bank has increased its total deposits by $3.49 million, resulting in 3.1% 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 Lawson Bank 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. Lawson Bank has $128.98 million in assets with $12.6 million in equity, resulting in a capitalization level of 9.77%, which is average.

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