Bank of Cushing and Trust Company

Bank of Cushing and Trust Company is headquartered in Cushing and is the 135^th largest bank in the state of Oklahoma. It is also the 4,959^th largest bank in the nation. It was established in 1897 and as of December of 2011, it had grown to 26 employees at 2 locations. Bank of Cushing and Trust Company has a 5-star health rating.

Data for Q4 2011

Institution Statistics Bank of Cushing FDIC Certificate # 4075 BankRate Report View Year Established 1897 Employees 26 Primary Regulator FED Assets and Liabilities Assets $99.13 million Loans $39.18 million Deposits $85.61 million Equity Capital $11.99 million Loan Loss Allowance $715,000 Unbacked Noncurrent Loans $499,000 Historic Data - December 2010 Assets $90.66 million Equity Capital $10.11 million Loan Loss Allowance $736,000 Unbacked Noncurrent Loans $363,000 Real Estate Owned $18,000 Profit Margin - Quarterly Net Interest Margin 4.75% Return on Assets 1.44% Return on Equity 12.29% Interest Income $4.73 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 December 31, 2011 Bank of Cushing and Trust Company had $499,000 in non-current loans and owned real-estate with $12.7 million in equity and loan loss allowances on hand to cover it. This gives Bank of Cushing and Trust Company a Texas Ratio of 3.93% 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 Bank of Cushing and Trust Company held steady from 3.51% as of December 31, 2010 to 3.93% as of December 31, 2011, resulting in a negative change of 11.76%. This indicates that the balance sheet and financial strength for Bank of Cushing and Trust Company has held steady in recent periods. Deposit Growth In the past year, Bank of Cushing and Trust Company has increased its total deposits by $5.8 million, resulting in 7.27% 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 Bank of Cushing and Trust Company 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. Bank of Cushing and Trust Company has $99.13 million in assets with $12.7 million in equity, resulting in a capitalization level of 12.82%, which is excellent.

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