Regional Missouri Bank

Regional Missouri Bank is headquartered in Marceline and is the 157^th largest bank in the state of Missouri. It is also the 4,125^th largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 32 employees at 5 locations. Regional Missouri Bank has a 4-star health rating.

Regional Missouri Bank Routing Number: 101909097

Data for Q1 2012

Institution Statistics Regional Missouri Bank FDIC Certificate # 18385 BankRate Report View Year Established 1908 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $135.79 million Loans $98.60 million Deposits $123.19 million Equity Capital $12.25 million Loan Loss Allowance $1.00 million Unbacked Noncurrent Loans $1.31 million Real Estate Owned $262,000 Historic Data - March 2011 Assets $125.82 million Equity Capital $10.57 million Loan Loss Allowance $888,000 Unbacked Noncurrent Loans $120,000 Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 2.55% Return on Equity 28.29% Interest Income $1.57 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 Regional Missouri Bank had $1.57 million in non-current loans and owned real-estate with $13.25 million in equity and loan loss allowances on hand to cover it. This gives Regional Missouri Bank a Texas Ratio of 11.83% 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 Regional Missouri Bank increased slightly from 1.13% as of March 31, 2011 to 11.83% as of March 31, 2012, resulting in a negative change of 942.53%. This indicates that the balance sheet and financial strength for Regional Missouri Bank has declined slightly in recent periods. Deposit Growth In the past year, Regional Missouri Bank has increased its total deposits by $8.3 million, resulting in 7.23% 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 Regional Missouri 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. Regional Missouri Bank has $135.79 million in assets with $13.25 million in equity, resulting in a capitalization level of 9.76%, which is average.

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