RCSBank

RCSBank is headquartered in New London and is the 255^th largest bank in the state of Missouri. It is also the 5,971^st largest bank in the nation. It was established in 1944 and as of December of 2012, it had grown to 16 employees at 3 locations. RCSBank has a 4-star health rating.

RCSBank Routing Number: 081518184

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Data for Q4 2012

Institution Statistics RCSBank FDIC Certificate # 16170 BankRate Report View Year Established 1944 Employees 16 Primary Regulator FDIC Assets and Liabilities Assets $58.69 million Loans $33.26 million Deposits $53.07 million Equity Capital $5.48 million Loan Loss Allowance $272,000 Unbacked Noncurrent Loans $63,000 Real Estate Owned $454,000 Historic Data - December 2011 Assets $57.46 million Equity Capital $5.31 million Loan Loss Allowance $357,000 Unbacked Noncurrent Loans $73,000 Real Estate Owned $869,000 Profit Margin - Quarterly Net Interest Margin 3.68% Return on Assets 0.37% Return on Equity 3.89% Interest Income $1.98 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 December 31, 2012 RCSBank had $517,000 in non-current loans and owned real-estate with $5.75 million in equity and loan loss allowances on hand to cover it. This gives RCSBank a Texas Ratio of 8.99% 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 RCSBank decreased significantly from 16.64% as of December 31, 2011 to 8.99% as of December 31, 2012, resulting in a positive change of 45.95%.This indicates that the balance sheet and financial strength for RCSBank has improved significantly in recent periods. Deposit Growth In the past year, RCSBank has increased its total deposits by $1.03 million, resulting in 1.99% 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 RCSBank 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. RCSBank has $58.68 million in assets with $5.75 million in equity, resulting in a capitalization level of 9.80%, which is average.

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