O'Bannon Banking Company

O'Bannon Banking Company is headquartered in Buffalo and is the 142^nd largest bank in the state of Missouri. It is also the 3,830^th largest bank in the nation. It was established in 1905 and as of March of 2012, it had grown to 52 employees at 5 locations. O'Bannon Banking Company has a 4-star health rating.

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Data for Q1 2012

Institution Statistics O'Bannon Banking Company FDIC Certificate # 8295 BankRate Report View Year Established 1905 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $152.55 million Loans $107.15 million Deposits $136.57 million Equity Capital $13.46 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $1.47 million Historic Data - March 2011 Assets $148.25 million Equity Capital $12.80 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $1.18 million Real Estate Owned $2.98 million Profit Margin - Quarterly Net Interest Margin 4.26% Return on Assets 0.38% Return on Equity 4.2% Interest Income $1.84 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 O'Bannon Banking Company had $3.52 million in non-current loans and owned real-estate with $15.13 million in equity and loan loss allowances on hand to cover it. This gives O'Bannon Banking Company a Texas Ratio of 23.25% 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 O'Bannon Banking Company decreased slightly from 29.15% as of March 31, 2011 to 23.25% as of March 31, 2012, resulting in a positive change of 20.26%.This indicates that the balance sheet and financial strength for O'Bannon Banking Company has improved slightly in recent periods. Deposit Growth In the past year, O'Bannon Banking Company has increased its total deposits by $8.02 million, resulting in 6.24% 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 O'Bannon Banking Company 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. O'Bannon Banking Company has $152.55 million in assets with $15.13 million in equity, resulting in a capitalization level of 9.92%, which is average.

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