Carmine State Bank

Carmine State Bank is headquartered in Carmine and is the 492^nd largest bank in the state of Texas. It is also the 6,146^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 12 employees at 1 location. Carmine State Bank's savings rates are 3X the national average, and it boasts a 5-star health rating.

Carmine State Bank Routing Number: 113109898

Carmine State Bank Savings Account Rates

Carmine State Bank Money Market Rates

Carmine State Bank CD Rates

Data for Q4 2011

Institution Statistics Carmine State Bank FDIC Certificate # 19278 BankRate Report View Year Established 1907 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $57.45 million Loans $15.43 million Deposits $49.82 million Equity Capital $7.49 million Loan Loss Allowance $167,000 Unbacked Noncurrent Loans $59,000 Historic Data - December 2010 Assets $52.09 million Equity Capital $6.46 million Loan Loss Allowance $125,000 Unbacked Noncurrent Loans $196,000 Profit Margin - Quarterly Net Interest Margin 3.29% Return on Assets 1.21% Return on Equity 9.49% Interest Income $2.25 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 Carmine State Bank had $59,000 in non-current loans and owned real-estate with $7.65 million in equity and loan loss allowances on hand to cover it. This gives Carmine State Bank a Texas Ratio of 0.77% 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 Carmine State Bank decreased significantly from 2.97% as of December 31, 2010 to 0.77% as of December 31, 2011, resulting in a positive change of 74.08%.This indicates that the balance sheet and financial strength for Carmine State Bank has improved significantly in recent periods. Deposit Growth In the past year, Carmine State Bank has increased its total deposits by $4.23 million, resulting in 9.29% 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 Carmine State Bank 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. Carmine State Bank has $57.45 million in assets with $7.65 million in equity, resulting in a capitalization level of 13.32%, which is excellent.

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