Macon-Atlanta State Bank

Macon-Atlanta State Bank is headquartered in Macon and is the 104^th largest bank in the state of Missouri. It is also the 2,950^th largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 41 employees at 1 location. Macon-Atlanta State Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Macon-Atlanta State Bank FDIC Certificate # 14695 BankRate Report View Year Established 1893 Employees 41 Primary Regulator FED Assets and Liabilities Assets $215.68 million Loans $95.60 million Deposits $187.10 million Equity Capital $22.50 million Loan Loss Allowance $1.27 million Unbacked Noncurrent Loans $522,000 Real Estate Owned $23,000 Historic Data - March 2011 Assets $199.72 million Equity Capital $20.95 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $507,000 Real Estate Owned $1.15 million Profit Margin - Quarterly Net Interest Margin 2.9% Return on Assets 1.53% Return on Equity 14.78% Interest Income $2.02 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 Macon-Atlanta State Bank had $545,000 in non-current loans and owned real-estate with $23.77 million in equity and loan loss allowances on hand to cover it. This gives Macon-Atlanta State Bank a Texas Ratio of 2.29% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Macon-Atlanta State Bank decreased significantly from 7.45% as of March 31, 2011 to 2.29% as of March 31, 2012, resulting in a positive change of 69.21%.This indicates that the balance sheet and financial strength for Macon-Atlanta State Bank has improved significantly in recent periods. Deposit Growth In the past year, Macon-Atlanta State Bank has increased its total deposits by $14.96 million, resulting in 8.69% 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 Macon-Atlanta State 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. Macon-Atlanta State Bank has $215.68 million in assets with $23.77 million in equity, resulting in a capitalization level of 11.02%, which is above average.

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