Table Rock Community Bank

Table Rock Community Bank is headquartered in Kimberling City and is the 283^rd largest bank in the state of Missouri. It is also the 6,438^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 10 employees at 1 location. Table Rock Community Bank's savings rates are 25% higher than the national average, and it has a 3-star health rating.

Table Rock Community Bank Routing Number: 081519248

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Data for Q1 2012

Institution Statistics Table Rock Community Bank FDIC Certificate # 58300 BankRate Report View Year Established 2006 Employees 10 Primary Regulator FDIC Assets and Liabilities Assets $47.86 million Loans $37.06 million Deposits $43.62 million Equity Capital $3.97 million Loan Loss Allowance $621,000 Unbacked Noncurrent Loans $724,000 Real Estate Owned $200,000 Historic Data - March 2011 Assets $42.77 million Equity Capital $3.20 million Loan Loss Allowance $521,000 Unbacked Noncurrent Loans $53,000 Real Estate Owned $244,000 Profit Margin - Quarterly Net Interest Margin 4.82% Return on Assets 0.98% Return on Equity 12.18% Interest Income $633,000

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 Table Rock Community Bank had $924,000 in non-current loans and owned real-estate with $4.59 million in equity and loan loss allowances on hand to cover it. This gives Table Rock Community Bank a Texas Ratio of 20.14% 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 Table Rock Community Bank increased slightly from 7.99% as of March 31, 2011 to 20.14% as of March 31, 2012, resulting in a negative change of 152.10%. This indicates that the balance sheet and financial strength for Table Rock Community Bank has declined slightly in recent periods. Deposit Growth In the past year, Table Rock Community Bank has increased its total deposits by $4.28 million, resulting in 10.87% 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 Table Rock Community 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. Table Rock Community Bank has $47.86 million in assets with $4.59 million in equity, resulting in a capitalization level of 9.59%, which is average.

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