Canton State Bank

Canton State Bank is headquartered in Canton and is the 308^th largest bank in the state of Missouri. It is also the 6,910^st largest bank in the nation. It was established in 1935 and as of December of 2011, it had grown to 11 employees at 1 location. Canton State Bank has a 3-star health rating.

Canton State Bank Routing Number: 081508178

Data for Q4 2011

Institution Statistics Canton State Bank FDIC Certificate # 15285 BankRate Report View Year Established 1935 Employees 11 Primary Regulator FDIC Assets and Liabilities Assets $31.92 million Loans $15.45 million Deposits $28.41 million Equity Capital $2.94 million Loan Loss Allowance $247,000 Unbacked Noncurrent Loans $400,000 Real Estate Owned $217,000 Historic Data - December 2010 Assets $33.01 million Equity Capital $2.74 million Loan Loss Allowance $251,000 Unbacked Noncurrent Loans $840,000 Real Estate Owned $243,000 Profit Margin - Quarterly Net Interest Margin 2.87% Return on Assets 0.14% Return on Equity 1.63% Interest Income $1.28 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 Canton State Bank had $617,000 in non-current loans and owned real-estate with $3.19 million in equity and loan loss allowances on hand to cover it. This gives Canton State Bank a Texas Ratio of 19.36% 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 Canton State Bank decreased significantly from 36.23% as of December 31, 2010 to 19.36% as of December 31, 2011, resulting in a positive change of 46.57%.This indicates that the balance sheet and financial strength for Canton State Bank has improved significantly in recent periods. Deposit Growth In the past year, Canton State Bank has decreased its total deposits by -$1.28 million, resulting in -4.31% 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 Canton State 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. Canton State Bank has $31.92 million in assets with $3.19 million in equity, resulting in a capitalization level of 9.98%, which is average.

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