Security Bank of Southwest Missouri

Security Bank of Southwest Missouri is headquartered in Cassville and is the 239^th largest bank in the state of Missouri. It is also the 5,660^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 29 employees at 3 locations. Security Bank of Southwest Missouri's money market rates are 36% higher than the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Security Bank of Southwest Missouri FDIC Certificate # 26520 BankRate Report View Year Established 1985 Employees 29 Primary Regulator FDIC Assets and Liabilities Assets $74.03 million Loans $46.57 million Deposits $66.21 million Equity Capital $7.42 million Loan Loss Allowance $627,000 Unbacked Noncurrent Loans $982,000 Real Estate Owned $827,000 Historic Data - March 2011 Assets $71.87 million Equity Capital $6.73 million Loan Loss Allowance $589,000 Unbacked Noncurrent Loans $1.30 million Real Estate Owned $691,000 Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 2.13% Return on Equity 20.98% Interest Income $920,000

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 Security Bank of Southwest Missouri had $1.81 million in non-current loans and owned real-estate with $8.05 million in equity and loan loss allowances on hand to cover it. This gives Security Bank of Southwest Missouri a Texas Ratio of 22.48% which is 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 Southwest Missouri decreased slightly from 27.27% as of March 31, 2011 to 22.48% as of March 31, 2012, resulting in a positive change of 17.57%.This indicates that the balance sheet and financial strength for Security Bank of Southwest Missouri has improved slightly in recent periods. Deposit Growth In the past year, Security Bank of Southwest Missouri has increased its total deposits by $1.45 million, resulting in 2.24% 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 Southwest Missouri 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 Southwest Missouri has $74.03 million in assets with $8.05 million in equity, resulting in a capitalization level of 10.87%, which is above average.

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