United Security Bank

United Security Bank is headquartered in Fulton and is the 282^nd largest bank in the state of Missouri. It is also the 6,419^st largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 15 employees at 3 locations. United Security Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics United Security Bank FDIC Certificate # 1427 BankRate Report View Year Established 1930 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $48.47 million Loans $30.15 million Deposits $41.10 million Equity Capital $7.31 million Loan Loss Allowance $364,000 Unbacked Noncurrent Loans $116,000 Historic Data - March 2011 Assets $47.48 million Equity Capital $6.27 million Loan Loss Allowance $338,000 Unbacked Noncurrent Loans $56,000 Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 1.51% Return on Equity 9.93% Interest Income $590,000

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 United Security Bank had $116,000 in non-current loans and owned real-estate with $7.68 million in equity and loan loss allowances on hand to cover it. This gives United Security Bank a Texas Ratio of 1.51% 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 United Security Bank held steady from 0.85% as of March 31, 2011 to 1.51% as of March 31, 2012, resulting in a negative change of 78.19%. This indicates that the balance sheet and financial strength for United Security Bank has held steady in recent periods. Deposit Growth In the past year, United Security Bank has decreased its total deposits by $-60,000, resulting in -0.15% 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 United Security 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. United Security Bank has $48.47 million in assets with $7.68 million in equity, resulting in a capitalization level of 15.84%, which is excellent.

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