PATRIOTS BANK (MO)

PATRIOTS BANK (MO) is headquartered in Liberty and is the 217^st largest bank in the state of Missouri. It is also the 5,274^th largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 39 employees at 4 locations. PATRIOTS BANK (MO) has a 2-star health rating.

Data for Q1 2012

Institution Statistics PATRIOTS BANK FDIC Certificate # 57651 BankRate Report View Year Established 2003 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $87.91 million Loans $51.88 million Deposits $79.22 million Equity Capital $8.38 million Loan Loss Allowance $794,000 Unbacked Noncurrent Loans $225,000 Real Estate Owned $8.54 million Historic Data - March 2011 Assets $97.92 million Equity Capital $17.24 million Loan Loss Allowance $861,000 Unbacked Noncurrent Loans $1.09 million Real Estate Owned $8.72 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets -0.05% Return on Equity -0.48% Interest Income $810,000

Institution Health Overall Score: 2 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 PATRIOTS BANK (MO) had $8.76 million in non-current loans and owned real-estate with $9.17 million in equity and loan loss allowances on hand to cover it. This gives PATRIOTS BANK (MO) a Texas Ratio of 95.50% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for PATRIOTS BANK (MO) increased slightly from 54.16% as of March 31, 2011 to 95.50% as of March 31, 2012, resulting in a negative change of 76.33%. This indicates that the balance sheet and financial strength for PATRIOTS BANK (MO) has declined slightly in recent periods. Deposit Growth In the past year, PATRIOTS BANK (MO) has decreased its total deposits by -$1.12 million, resulting in -1.39% 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 PATRIOTS BANK (MO) has shown is below 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. PATRIOTS BANK (MO) has $87.91 million in assets with $9.17 million in equity, resulting in a capitalization level of 10.44%, which is above average.

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