Stone County National Bank

Stone County National Bank is headquartered in Crane and is the 223^rd largest bank in the state of Missouri. It is also the 5,344^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 33 employees at 5 locations. Stone County National Bank has a 4-star health rating.

Stone County National Bank Routing Number: 081504651

Data for Q1 2012

Institution Statistics Stone County National Bank FDIC Certificate # 24858 BankRate Report View Year Established 1983 Employees 33 Primary Regulator OCC Assets and Liabilities Assets $85.09 million Loans $29.40 million Deposits $75.92 million Equity Capital $8.98 million Loan Loss Allowance $982,000 Unbacked Noncurrent Loans $346,000 Real Estate Owned $871,000 Historic Data - March 2011 Assets $85.23 million Equity Capital $8.78 million Loan Loss Allowance $1.08 million Unbacked Noncurrent Loans $442,000 Real Estate Owned $1.36 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets -0.23% Return on Equity -2.14% Interest Income $792,000

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 Stone County National Bank had $1.22 million in non-current loans and owned real-estate with $9.96 million in equity and loan loss allowances on hand to cover it. This gives Stone County National Bank a Texas Ratio of 12.21% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Stone County National Bank decreased slightly from 18.18% as of March 31, 2011 to 12.21% as of March 31, 2012, resulting in a positive change of 32.81%.This indicates that the balance sheet and financial strength for Stone County National Bank has improved slightly in recent periods. Deposit Growth In the past year, Stone County National Bank has decreased its total deposits by $-383,000, resulting in -0.5% 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 Stone County National 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. Stone County National Bank has $85.09 million in assets with $9.96 million in equity, resulting in a capitalization level of 11.71%, which is above average.

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