Rockwood Bank

Rockwood Bank is headquartered in Eureka and is the 86^th largest bank in the state of Missouri. It is also the 2,415^st largest bank in the nation. It was established in 1990 and as of March of 2012, it had grown to 57 employees at 4 locations. Rockwood Bank has a 3-star health rating.

Rockwood Bank Routing Number: 081006434

Data for Q1 2012

Institution Statistics Rockwood Bank FDIC Certificate # 32745 BankRate Report View Year Established 1990 Employees 57 Primary Regulator FDIC Assets and Liabilities Assets $267.17 million Loans $168.82 million Deposits $228.85 million Equity Capital $30.76 million Loan Loss Allowance $5.49 million Real Estate Owned $20.35 million Historic Data - March 2011 Assets $294.52 million Equity Capital $34.71 million Loan Loss Allowance $6.05 million Unbacked Noncurrent Loans $12.06 million Real Estate Owned $21.49 million Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 0.78% Return on Equity 6.96% Interest Income $2.60 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 Rockwood Bank had $20.35 million in non-current loans and owned real-estate with $36.25 million in equity and loan loss allowances on hand to cover it. This gives Rockwood Bank a Texas Ratio of 56.16% 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 Rockwood Bank decreased slightly from 82.30% as of March 31, 2011 to 56.16% as of March 31, 2012, resulting in a positive change of 31.76%.This indicates that the balance sheet and financial strength for Rockwood Bank has improved slightly in recent periods. Deposit Growth In the past year, Rockwood Bank has decreased its total deposits by -$18.63 million, resulting in -7.53% 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 Rockwood Bank 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. Rockwood Bank has $267.17 million in assets with $36.25 million in equity, resulting in a capitalization level of 13.57%, which is excellent.

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