Cabool State Bank

Cabool State Bank is headquartered in Cabool and is the 247^th largest bank in the state of Missouri. It is also the 5,897^th largest bank in the nation. It was established in 1913 and as of December of 2011, it had grown to 26 employees at 1 location. Cabool State Bank has a 3-star health rating.

Cabool State Bank Routing Number: 081514052

Data for Q4 2011

Institution Statistics Cabool State Bank FDIC Certificate # 1419 BankRate Report View Year Established 1913 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $66.25 million Loans $36.98 million Deposits $57.08 million Equity Capital $9.05 million Loan Loss Allowance $768,000 Unbacked Noncurrent Loans $2.29 million Real Estate Owned $933,000 Historic Data - December 2010 Assets $69.99 million Equity Capital $8.78 million Loan Loss Allowance $930,000 Unbacked Noncurrent Loans $3.34 million Real Estate Owned $909,000 Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 0.38% Return on Equity 2.88% Interest Income $2.72 million

Institution Health Overall Score: 3 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 Cabool State Bank had $3.22 million in non-current loans and owned real-estate with $9.82 million in equity and loan loss allowances on hand to cover it. This gives Cabool State Bank a Texas Ratio of 32.80% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cabool State Bank decreased slightly from 43.84% as of December 31, 2010 to 32.80% as of December 31, 2011, resulting in a positive change of 25.20%.This indicates that the balance sheet and financial strength for Cabool State Bank has improved slightly in recent periods. Deposit Growth In the past year, Cabool State Bank has decreased its total deposits by -$3.98 million, resulting in -6.52% 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 Cabool State Bank has shown is poor. 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. Cabool State Bank has $66.25 million in assets with $9.82 million in equity, resulting in a capitalization level of 14.81%, which is excellent.

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