Shelter Financial Bank

Shelter Financial Bank is headquartered in Columbia and is the 127^th largest bank in the state of Missouri. It is also the 3,521^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 23 employees at 1 location. Shelter Financial Bank has a 5-star health rating.

Shelter Financial Bank Routing Number: 081574403

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Data for Q1 2012

Institution Statistics Shelter Financial Bank OTS # 15455 FDIC Certificate # 35002 BankRate Report View Year Established 1999 Employees 23 Primary Regulator OCC Assets and Liabilities Assets $170.58 million Loans $154.88 million Deposits $113.91 million Equity Capital $17.90 million Loan Loss Allowance $2.23 million Unbacked Noncurrent Loans $737,000 Real Estate Owned $45,000 Historic Data - March 2011 Assets $177.12 million Equity Capital $16.93 million Loan Loss Allowance $2.15 million Unbacked Noncurrent Loans $1.05 million Real Estate Owned $7,000 Profit Margin - Quarterly Net Interest Margin 2.75% Return on Assets 0.51% Return on Equity 4.88% Interest Income $1.97 million

Institution Health Overall Score: 5 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 Shelter Financial Bank had $782,000 in non-current loans and owned real-estate with $20.14 million in equity and loan loss allowances on hand to cover it. This gives Shelter Financial Bank a Texas Ratio of 3.88% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Shelter Financial Bank decreased slightly from 5.53% as of March 31, 2011 to 3.88% as of March 31, 2012, resulting in a positive change of 29.76%.This indicates that the balance sheet and financial strength for Shelter Financial Bank has improved slightly in recent periods. Deposit Growth In the past year, Shelter Financial Bank has increased its total deposits by $1.04 million, resulting in 0.92% 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 Shelter Financial Bank has shown is 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. Shelter Financial Bank has $170.58 million in assets with $20.14 million in equity, resulting in a capitalization level of 11.80%, which is above average.

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