Phelps County Bank

Phelps County Bank is headquartered in Rolla and is the 72^nd largest bank in the state of Missouri. It is also the 2,137^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 82 employees at 4 locations. Phelps County Bank's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Phelps County Bank FDIC Certificate # 18841 BankRate Report View Year Established 1963 Employees 82 Primary Regulator FDIC Assets and Liabilities Assets $305.96 million Loans $162.58 million Deposits $274.01 million Equity Capital $23.56 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $84,000 Real Estate Owned $193,000 Historic Data - March 2011 Assets $277.49 million Equity Capital $20.72 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $699,000 Real Estate Owned $330,000 Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets 1.45% Return on Equity 18.64% Interest Income $3.09 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 Phelps County Bank had $277,000 in non-current loans and owned real-estate with $25.32 million in equity and loan loss allowances on hand to cover it. This gives Phelps County Bank a Texas Ratio of 1.09% 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 Phelps County Bank decreased significantly from 7.23% as of March 31, 2011 to 1.09% as of March 31, 2012, resulting in a positive change of 84.87%.This indicates that the balance sheet and financial strength for Phelps County Bank has improved significantly in recent periods. Deposit Growth In the past year, Phelps County Bank has increased its total deposits by $26.14 million, resulting in 10.55% 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 Phelps County Bank 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. Phelps County Bank has $305.96 million in assets with $25.32 million in equity, resulting in a capitalization level of 8.28%, which is average.

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