Security Bank of Pulaski County

Security Bank of Pulaski County is headquartered in Saint Robert and is the 192^nd largest bank in the state of Missouri. It is also the 4,911^st largest bank in the nation. It was established in 1936 and as of March of 2012, it had grown to 34 employees at 3 locations. Security Bank of Pulaski County has a 3-star health rating.

Data for Q1 2012

Institution Statistics Security Bank of Pulaski County FDIC Certificate # 15347 BankRate Report View Year Established 1936 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $101.56 million Loans $67.93 million Deposits $85.56 million Equity Capital $9.39 million Loan Loss Allowance $2.02 million Unbacked Noncurrent Loans $1.72 million Real Estate Owned $2.71 million Historic Data - March 2011 Assets $102.35 million Equity Capital $8.93 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $1.69 million Real Estate Owned $3.85 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.46% Return on Equity 5.23% Interest Income $1.26 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 Security Bank of Pulaski County had $4.43 million in non-current loans and owned real-estate with $11.42 million in equity and loan loss allowances on hand to cover it. This gives Security Bank of Pulaski County a Texas Ratio of 38.80% 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 Security Bank of Pulaski County decreased slightly from 53.87% as of March 31, 2011 to 38.80% as of March 31, 2012, resulting in a positive change of 27.98%.This indicates that the balance sheet and financial strength for Security Bank of Pulaski County has improved slightly in recent periods. Deposit Growth In the past year, Security Bank of Pulaski County has increased its total deposits by $2.76 million, resulting in 3.33% 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 Security Bank of Pulaski County 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. Security Bank of Pulaski County has $101.56 million in assets with $11.42 million in equity, resulting in a capitalization level of 11.24%, which is above average.

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