Montgomery Bank

Montgomery Bank is headquartered in Sikeston and is the 26^th largest bank in the state of Missouri. It is also the 730^th largest bank in the nation. It was established in 1934 and as of December of 2012, it had grown to 211 employees at 12 locations. Montgomery Bank has a 4-star health rating.

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Data for Q4 2012

Institution Statistics Montgomery Bank, National Association FDIC Certificate # 8255 BankRate Report View Year Established 1934 Employees 211 Primary Regulator OCC Assets and Liabilities Assets $907.00 million Loans $705.29 million Deposits $748.55 million Equity Capital $74.16 million Loan Loss Allowance $8.85 million Unbacked Noncurrent Loans $9.28 million Real Estate Owned $7.46 million Historic Data - December 2011 Assets $881.25 million Equity Capital $74.29 million Loan Loss Allowance $8.67 million Unbacked Noncurrent Loans $13.72 million Real Estate Owned $10.07 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.59% Return on Equity 7.06% Interest Income $36.48 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 December 31, 2012 Montgomery Bank had $16.73 million in non-current loans and owned real-estate with $83 million in equity and loan loss allowances on hand to cover it. This gives Montgomery Bank a Texas Ratio of 20.16% 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 Montgomery Bank decreased slightly from 28.67% as of December 31, 2011 to 20.16% as of December 31, 2012, resulting in a positive change of 29.67%.This indicates that the balance sheet and financial strength for Montgomery Bank has improved slightly in recent periods. Deposit Growth In the past year, Montgomery Bank has increased its total deposits by $25.14 million, resulting in 3.48% 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 Montgomery 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. Montgomery Bank has $907 million in assets with $83 million in equity, resulting in a capitalization level of 9.15%, which is average.

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