Quarry City Savings and Loan Association

Quarry City Savings and Loan Association is headquartered in Warrensburg and is the 298^th largest bank in the state of Missouri. It is also the 6,724^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 10 employees at 1 location. Quarry City Savings and Loan Association has a 3-star health rating.

Data for Q1 2012

Institution Statistics Quarry City Savings and Loan Association OTS # 02338 FDIC Certificate # 28776 BankRate Report View Year Established 1890 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $38.61 million Loans $26.82 million Deposits $34.33 million Equity Capital $4.14 million Loan Loss Allowance $299,000 Unbacked Noncurrent Loans $138,000 Real Estate Owned $529,000 Historic Data - March 2011 Assets $43.36 million Equity Capital $3.97 million Loan Loss Allowance $280,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 1.02% Return on Equity 9.73% Interest Income $445,000

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 Quarry City Savings and Loan Association had $667,000 in non-current loans and owned real-estate with $4.44 million in equity and loan loss allowances on hand to cover it. This gives Quarry City Savings and Loan Association a Texas Ratio of 15.04% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Quarry City Savings and Loan Association has decreased its total deposits by -$4.82 million, resulting in -12.31% 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 Quarry City Savings and Loan Association has shown is poor. 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. Quarry City Savings and Loan Association has $38.61 million in assets with $4.44 million in equity, resulting in a capitalization level of 11.49%, which is above average.

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