New Era Bank

New Era Bank is headquartered in Fredericktown and is the 80^th largest bank in the state of Missouri. It is also the 2,293^rd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 55 employees at 5 locations. New Era Bank has a 5-star health rating.

New Era Bank Routing Number: 081502637

New Era Bank Checking Account Rates

Data for Q1 2012

Institution Statistics New Era Bank FDIC Certificate # 14546 BankRate Report View Year Established 1934 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $282.99 million Loans $191.76 million Deposits $244.05 million Equity Capital $32.72 million Loan Loss Allowance $1.82 million Unbacked Noncurrent Loans $2.07 million Real Estate Owned $591,000 Historic Data - March 2011 Assets $284.59 million Equity Capital $32.13 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $509,000 Real Estate Owned $229,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 2.52% Return on Equity 21.6% Interest Income $2.84 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 New Era Bank had $2.66 million in non-current loans and owned real-estate with $34.54 million in equity and loan loss allowances on hand to cover it. This gives New Era Bank a Texas Ratio of 7.71% 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 New Era Bank increased slightly from 2.18% as of March 31, 2011 to 7.71% as of March 31, 2012, resulting in a negative change of 253.54%. This indicates that the balance sheet and financial strength for New Era Bank has declined slightly in recent periods. Deposit Growth In the past year, New Era Bank has decreased its total deposits by $-185,000, resulting in -0.08% 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 New Era Bank has shown is 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. New Era Bank has $282.98 million in assets with $34.54 million in equity, resulting in a capitalization level of 12.20%, which is excellent.

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