The Seymour Bank

The Seymour Bank is headquartered in Seymour and is the 155^th largest bank in the state of Missouri. It is also the 4,047^th largest bank in the nation. It was established in 1939 and as of March of 2012, it had grown to 46 employees at 2 locations. The Seymour Bank's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

The Seymour Bank Checking Account Rates

The Seymour Bank Savings Account Rates

The Seymour Bank Money Market Rates

The Seymour Bank CD Rates

Data for Q1 2012

Institution Statistics The Seymour Bank FDIC Certificate # 15701 BankRate Report View Year Established 1939 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $140.10 million Loans $84.72 million Deposits $115.30 million Equity Capital $18.54 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $142,000 Real Estate Owned $308,000 Historic Data - March 2011 Assets $139.98 million Equity Capital $16.70 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $255,000 Real Estate Owned $595,000 Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 1.14% Return on Equity 8.66% Interest Income $1.82 million

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 Seymour Bank had $450,000 in non-current loans and owned real-estate with $19.72 million in equity and loan loss allowances on hand to cover it. This gives The Seymour Bank a Texas Ratio of 2.28% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Seymour Bank decreased significantly from 4.76% as of March 31, 2011 to 2.28% as of March 31, 2012, resulting in a positive change of 52.10%.This indicates that the balance sheet and financial strength for The Seymour Bank has improved significantly in recent periods. Deposit Growth In the past year, The Seymour Bank has decreased its total deposits by -$2.53 million, resulting in -2.15% 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 Seymour Bank has shown is below 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 Seymour Bank has $140.1 million in assets with $19.72 million in equity, resulting in a capitalization level of 14.08%, which is excellent.

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