MRV Banks

MRV Banks is headquartered in Sainte Genevieve and is the 236^th largest bank in the state of Missouri. It is also the 5,576^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 13 employees at 1 location. MRV Banks' money market rates are 36% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics MRV Banks FDIC Certificate # 58619 BankRate Report View Year Established 2007 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $77.06 million Loans $58.09 million Deposits $68.11 million Equity Capital $7.65 million Loan Loss Allowance $978,000 Unbacked Noncurrent Loans $835,000 Historic Data - March 2011 Assets $71.75 million Equity Capital $7.18 million Loan Loss Allowance $696,000 Unbacked Noncurrent Loans $157,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.27% Return on Equity 2.68% Interest Income $812,000

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 MRV Banks had $835,000 in non-current loans and owned real-estate with $8.63 million in equity and loan loss allowances on hand to cover it. This gives MRV Banks a Texas Ratio of 9.68% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for MRV Banks increased slightly from 1.99% as of March 31, 2011 to 9.68% as of March 31, 2012, resulting in a negative change of 385.13%. This indicates that the balance sheet and financial strength for MRV Banks has declined slightly in recent periods. Deposit Growth In the past year, MRV Banks has increased its total deposits by $3.65 million, resulting in 5.67% 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 MRV Banks 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. MRV Banks has $77.06 million in assets with $8.63 million in equity, resulting in a capitalization level of 11.20%, which is above average.

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