The Hamilton Bank

The Hamilton Bank is headquartered in Hamilton and is the 263^rd largest bank in the state of Missouri. It is also the 6,116^st largest bank in the nation. It was established in 1938 and as of March of 2012, it had grown to 17 employees at 3 locations. The Hamilton Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The Hamilton Bank FDIC Certificate # 15606 BankRate Report View Year Established 1938 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $58.26 million Loans $30.11 million Deposits $51.51 million Equity Capital $5.65 million Loan Loss Allowance $229,000 Unbacked Noncurrent Loans $562,000 Historic Data - March 2011 Assets $51.55 million Equity Capital $5.50 million Loan Loss Allowance $242,000 Unbacked Noncurrent Loans $793,000 Profit Margin - Quarterly Net Interest Margin 3.66% Return on Assets 1.08% Return on Equity 10.71% Interest Income $578,000

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 The Hamilton Bank had $562,000 in non-current loans and owned real-estate with $5.88 million in equity and loan loss allowances on hand to cover it. This gives The Hamilton Bank a Texas Ratio of 9.56% 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 Hamilton Bank decreased slightly from 13.82% as of March 31, 2011 to 9.56% as of March 31, 2012, resulting in a positive change of 30.81%.This indicates that the balance sheet and financial strength for The Hamilton Bank has improved slightly in recent periods. Deposit Growth In the past year, The Hamilton Bank has increased its total deposits by $6.57 million, resulting in 14.61% 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 Hamilton 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. The Hamilton Bank has $58.26 million in assets with $5.88 million in equity, resulting in a capitalization level of 10.09%, which is above average.

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