Southwest Missouri Bank

Southwest Missouri Bank is headquartered in Carthage and is the 37^th largest bank in the state of Missouri. It is also the 1,053^rd largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 200 employees at 11 locations. Southwest Missouri Bank has a 5-star health rating.

Southwest Missouri Bank Routing Number: 101203641

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Data for Q1 2012

Institution Statistics Southwest Missouri Bank FDIC Certificate # 22876 BankRate Report View Year Established 1979 Employees 200 Primary Regulator FDIC Assets and Liabilities Assets $629.22 million Loans $374.53 million Deposits $546.79 million Equity Capital $55.88 million Loan Loss Allowance $5.34 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $2.05 million Historic Data - March 2011 Assets $568.41 million Equity Capital $50.29 million Loan Loss Allowance $4.80 million Unbacked Noncurrent Loans $1.79 million Real Estate Owned $2.61 million Profit Margin - Quarterly Net Interest Margin 4.43% Return on Assets 0.98% Return on Equity 11.29% Interest Income $7.19 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 Southwest Missouri Bank had $3.34 million in non-current loans and owned real-estate with $61.22 million in equity and loan loss allowances on hand to cover it. This gives Southwest Missouri Bank a Texas Ratio of 5.46% 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 Southwest Missouri Bank decreased slightly from 7.98% as of March 31, 2011 to 5.46% as of March 31, 2012, resulting in a positive change of 31.64%.This indicates that the balance sheet and financial strength for Southwest Missouri Bank has improved slightly in recent periods. Deposit Growth In the past year, Southwest Missouri Bank has increased its total deposits by $51.65 million, resulting in 10.43% 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 Southwest 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. Southwest Missouri Bank has $629.22 million in assets with $61.22 million in equity, resulting in a capitalization level of 9.73%, which is average.

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