The Community Bank of Shell Knob

The Community Bank of Shell Knob is headquartered in Shell Knob and is the 329^th largest bank in the state of Missouri. It is also the 7,268^th largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 6 employees at 2 locations. The Community Bank of Shell Knob has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Community Bank of Shell Knob FDIC Certificate # 21717 BankRate Report View Year Established 1974 Employees 6 Primary Regulator FDIC Assets and Liabilities Assets $11.52 million Loans $4.37 million Deposits $11.22 million Equity Capital $292,000 Loan Loss Allowance $129,000 Real Estate Owned $42,000 Historic Data - March 2011 Assets $10.82 million Equity Capital $549,000 Loan Loss Allowance $93,000 Unbacked Noncurrent Loans $23,000 Real Estate Owned $218,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets -3.07% Return on Equity -101.64% Interest Income $87,000

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 The Community Bank of Shell Knob had $42,000 in non-current loans and owned real-estate with $421,000 in equity and loan loss allowances on hand to cover it. This gives The Community Bank of Shell Knob a Texas Ratio of 9.98% 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 The Community Bank of Shell Knob decreased significantly from 37.54% as of March 31, 2011 to 9.98% as of March 31, 2012, resulting in a positive change of 73.42%.This indicates that the balance sheet and financial strength for The Community Bank of Shell Knob has improved significantly in recent periods. Deposit Growth In the past year, The Community Bank of Shell Knob has increased its total deposits by $966,000, resulting in 9.42% 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 The Community Bank of Shell Knob 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. The Community Bank of Shell Knob has $11.52 million in assets with $421,000 in equity, resulting in a capitalization level of 3.65%, which is poor.

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