Mainstreet Bank (MO)

Mainstreet Bank (MO) is headquartered in Ashland and is the 262^nd largest bank in the state of Missouri. It is also the 6,096^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 9 employees at 3 locations. Mainstreet Bank (MO) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Mainstreet Bank FDIC Certificate # 13585 BankRate Report View Year Established 1923 Employees 9 Primary Regulator FED Assets and Liabilities Assets $58.98 million Loans $21.36 million Deposits $50.16 million Equity Capital $6.05 million Loan Loss Allowance $881,000 Unbacked Noncurrent Loans $865,000 Real Estate Owned $850,000 Historic Data - March 2011 Assets $59.80 million Equity Capital $6.10 million Loan Loss Allowance $537,000 Unbacked Noncurrent Loans $270,000 Real Estate Owned $1.11 million Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets -0.27% Return on Equity -2.53% Interest Income $709,000

Institution Health Overall Score: 3 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 Mainstreet Bank (MO) had $1.72 million in non-current loans and owned real-estate with $6.93 million in equity and loan loss allowances on hand to cover it. This gives Mainstreet Bank (MO) a Texas Ratio of 24.76% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Mainstreet Bank (MO) held steady from 20.82% as of March 31, 2011 to 24.76% as of March 31, 2012, resulting in a negative change of 18.93%. This indicates that the balance sheet and financial strength for Mainstreet Bank (MO) has held steady in recent periods. Deposit Growth In the past year, Mainstreet Bank (MO) has decreased its total deposits by -$1.91 million, resulting in -3.67% 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 Mainstreet Bank (MO) has shown is below 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. Mainstreet Bank (MO) has $58.98 million in assets with $6.93 million in equity, resulting in a capitalization level of 11.74%, which is above average.

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