Pulaski Bank

Pulaski Bank is headquartered in Saint Louis and is the 14^st largest bank in the state of Missouri. It is also the 509^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 385 employees at 13 locations. Pulaski Bank has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Pulaski Bank OTS # 05106 FDIC Certificate # 30284 BankRate Report View Year Established 1922 Employees 385 Primary Regulator OCC Assets and Liabilities Assets $1.32 billion Loans $1.12 billion Deposits $1.11 billion Equity Capital $138.18 million Loan Loss Allowance $18.25 million Unbacked Noncurrent Loans $48.43 million Real Estate Owned $17.04 million Historic Data - March 2011 Assets $1.34 billion Equity Capital $136.10 million Loan Loss Allowance $17.67 million Unbacked Noncurrent Loans $56.20 million Real Estate Owned $12.37 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 0.42% Return on Equity 4.02% Interest Income $13.90 million

Institution Health Overall Score: 3 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 Pulaski Bank had $65.46 million in non-current loans and owned real-estate with $156.43 million in equity and loan loss allowances on hand to cover it. This gives Pulaski Bank a Texas Ratio of 41.85% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pulaski Bank held steady from 44.33% as of March 31, 2011 to 41.85% as of March 31, 2012, resulting in a positive change of 5.60%.This indicates that the balance sheet and financial strength for Pulaski Bank has held steady in recent periods. Deposit Growth In the past year, Pulaski Bank has decreased its total deposits by -$46.64 million, resulting in -4.02% 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 Pulaski Bank 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. Pulaski Bank has $1.32 billion in assets with $156.43 million in equity, resulting in a capitalization level of 11.88%, which is above average.

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