Lone Summit Bank

Lone Summit Bank is headquartered in Lake Lotawana and is the 318^st largest bank in the state of Missouri. It is also the 7,056^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 5 employees at 1 location. Lone Summit Bank has a 1-star health rating.

Lone Summit Bank Routing Number: 101219091

Data for Q1 2012

Institution Statistics Lone Summit Bank FDIC Certificate # 57842 BankRate Report View Year Established 2004 Employees 5 Primary Regulator FDIC Assets and Liabilities Assets $25.65 million Loans $14.68 million Deposits $24.57 million Equity Capital $957,000 Loan Loss Allowance $726,000 Unbacked Noncurrent Loans $1.07 million Real Estate Owned $1.68 million Historic Data - March 2011 Assets $30.26 million Equity Capital $2.18 million Loan Loss Allowance $743,000 Unbacked Noncurrent Loans $1.56 million Real Estate Owned $930,000 Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 0.22% Return on Equity 5.88% Interest Income $252,000

Institution Health Overall Score: 1 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 Lone Summit Bank had $2.75 million in non-current loans and owned real-estate with $1.68 million in equity and loan loss allowances on hand to cover it. This gives Lone Summit Bank a Texas Ratio of 163.64% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Lone Summit Bank increased slightly from 85.17% as of March 31, 2011 to 163.64% as of March 31, 2012, resulting in a negative change of 92.12%. This indicates that the balance sheet and financial strength for Lone Summit Bank has declined slightly in recent periods. Deposit Growth In the past year, Lone Summit Bank has decreased its total deposits by -$2.37 million, resulting in -8.79% 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 Lone Summit Bank has shown is poor. 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. Lone Summit Bank has $25.65 million in assets with $1.68 million in equity, resulting in a capitalization level of 6.56%, which is below average.

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