The Missouri Bank

The Missouri Bank is headquartered in Warrenton and is the 108^th largest bank in the state of Missouri. It is also the 3,072^nd largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 58 employees at 6 locations. The Missouri Bank has a 4-star health rating.

The Missouri Bank Routing Number: 081905768

Data for Q1 2012

Institution Statistics The Missouri Bank FDIC Certificate # 14036 BankRate Report View Year Established 1934 Employees 58 Primary Regulator FED Assets and Liabilities Assets $203.55 million Loans $122.48 million Deposits $177.44 million Equity Capital $22.04 million Loan Loss Allowance $2.14 million Unbacked Noncurrent Loans $1.33 million Real Estate Owned $3.06 million Historic Data - March 2011 Assets $204.26 million Equity Capital $19.34 million Loan Loss Allowance $2.48 million Unbacked Noncurrent Loans $1.09 million Real Estate Owned $3.72 million Profit Margin - Quarterly Net Interest Margin 3.93% Return on Assets 1.38% Return on Equity 13.32% Interest Income $2.18 million

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 Missouri Bank had $4.39 million in non-current loans and owned real-estate with $24.17 million in equity and loan loss allowances on hand to cover it. This gives The Missouri Bank a Texas Ratio of 18.15% 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 The Missouri Bank decreased slightly from 22.05% as of March 31, 2011 to 18.15% as of March 31, 2012, resulting in a positive change of 17.68%.This indicates that the balance sheet and financial strength for The Missouri Bank has improved slightly in recent periods. Deposit Growth In the past year, The Missouri Bank has decreased its total deposits by $-475,000, resulting in -0.27% 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 Missouri 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. The Missouri Bank has $203.55 million in assets with $24.17 million in equity, resulting in a capitalization level of 11.88%, which is above average.

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