Mid-Missouri Bank

Mid-Missouri Bank is headquartered in Springfield and is the 46^th largest bank in the state of Missouri. It is also the 1,322^nd largest bank in the nation. It was established in 1872 and as of March of 2012, it had grown to 174 employees at 15 locations. Mid-Missouri Bank has a 4-star health rating.

Mid-Missouri Bank Routing Number: 086503424

Data for Q1 2012

Institution Statistics Mid-Missouri Bank FDIC Certificate # 15584 BankRate Report View Year Established 1872 Employees 174 Primary Regulator FDIC Assets and Liabilities Assets $513.20 million Loans $384.91 million Deposits $455.35 million Equity Capital $50.79 million Loan Loss Allowance $5.83 million Unbacked Noncurrent Loans $7.50 million Real Estate Owned $8.20 million Historic Data - March 2011 Assets $485.48 million Equity Capital $47.87 million Loan Loss Allowance $6.19 million Unbacked Noncurrent Loans $11.43 million Real Estate Owned $9.15 million Profit Margin - Quarterly Net Interest Margin 4.21% Return on Assets 0.99% Return on Equity 10.13% Interest Income $5.57 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 Mid-Missouri Bank had $15.7 million in non-current loans and owned real-estate with $56.62 million in equity and loan loss allowances on hand to cover it. This gives Mid-Missouri Bank a Texas Ratio of 27.72% 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 Mid-Missouri Bank decreased slightly from 37.31% as of March 31, 2011 to 27.72% as of March 31, 2012, resulting in a positive change of 25.71%.This indicates that the balance sheet and financial strength for Mid-Missouri Bank has improved slightly in recent periods. Deposit Growth In the past year, Mid-Missouri Bank has increased its total deposits by $24.5 million, resulting in 5.69% 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 Mid-Missouri 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. Mid-Missouri Bank has $513.2 million in assets with $56.62 million in equity, resulting in a capitalization level of 11.03%, which is above average.

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