Putnam County State Bank

Putnam County State Bank is headquartered in Unionville and is the 154^th largest bank in the state of Missouri. It is also the 4,018^st largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 23 employees at 2 locations. Putnam County State Bank has a 4-star health rating.

Putnam County State Bank Routing Number: 101903763

Data for Q1 2012

Institution Statistics Putnam County State Bank FDIC Certificate # 22895 BankRate Report View Year Established 1979 Employees 23 Primary Regulator FDIC Assets and Liabilities Assets $141.76 million Loans $111.79 million Deposits $122.74 million Equity Capital $14.46 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $1.35 million Historic Data - March 2011 Assets $134.67 million Equity Capital $12.90 million Loan Loss Allowance $1.37 million Unbacked Noncurrent Loans $1.44 million Real Estate Owned $18,000 Profit Margin - Quarterly Net Interest Margin 3.8% Return on Assets 1.43% Return on Equity 14.02% Interest Income $1.73 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 Putnam County State Bank had $1.35 million in non-current loans and owned real-estate with $15.86 million in equity and loan loss allowances on hand to cover it. This gives Putnam County State Bank a Texas Ratio of 8.53% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Putnam County State Bank decreased slightly from 10.22% as of March 31, 2011 to 8.53% as of March 31, 2012, resulting in a positive change of 16.56%.This indicates that the balance sheet and financial strength for Putnam County State Bank has improved slightly in recent periods. Deposit Growth In the past year, Putnam County State Bank has increased its total deposits by $5.42 million, resulting in 4.62% 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 Putnam County State Bank has shown is above 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. Putnam County State Bank has $141.76 million in assets with $15.86 million in equity, resulting in a capitalization level of 11.18%, which is above average.

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