Carroll County Savings and Loan Association

Carroll County Savings and Loan Association is headquartered in Carrollton and is the 319^st largest bank in the state of Missouri. It is also the 7,108^th largest bank in the nation. It was established in 1920 and as of December of 2011, it had grown to 4 employees at 1 location. Carroll County Savings and Loan Association has a 4-star health rating.

Data for Q4 2011

Institution Statistics Carroll County Savings and Loan Association OTS # 07372 FDIC Certificate # 31713 BankRate Report View Year Established 1920 Employees 4 Primary Regulator FDIC Assets and Liabilities Assets $24.74 million Loans $10.47 million Deposits $21.74 million Equity Capital $3.00 million Loan Loss Allowance $110,000 Real Estate Owned $321,000 Historic Data - December 2010 Assets $25.98 million Equity Capital $2.94 million Loan Loss Allowance $86,000 Unbacked Noncurrent Loans $225,000 Real Estate Owned $363,000 Profit Margin - Quarterly Net Interest Margin 1.8% Return on Assets 0.24% Return on Equity 2.02% Interest Income $883,000

Institution Health Overall Score: 4 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 Carroll County Savings and Loan Association had $321,000 in non-current loans and owned real-estate with $3.11 million in equity and loan loss allowances on hand to cover it. This gives Carroll County Savings and Loan Association a Texas Ratio of 10.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Carroll County Savings and Loan Association decreased significantly from 19.46% as of December 31, 2010 to 10.33% as of December 31, 2011, resulting in a positive change of 46.88%.This indicates that the balance sheet and financial strength for Carroll County Savings and Loan Association has improved significantly in recent periods. Deposit Growth In the past year, Carroll County Savings and Loan Association has decreased its total deposits by -$1.3 million, resulting in -5.63% 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 Carroll County Savings and Loan Association 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. Carroll County Savings and Loan Association has $24.74 million in assets with $3.11 million in equity, resulting in a capitalization level of 12.55%, which is excellent.

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