Carroll County State Bank

Carroll County State Bank is headquartered in Carroll and is the 38^th largest bank in the state of Iowa. It is also the 1,857^th largest bank in the nation. It was established in 1870 and as of December of 2011, it had grown to 68 employees at 7 locations. Carroll County State Bank has a 4-star health rating.

Carroll County State Bank Routing Number: 073902546

Carroll County State Bank CD Rates

Data for Q4 2011

Institution Statistics Carroll County State Bank FDIC Certificate # 11771 BankRate Report View Year Established 1870 Employees 68 Primary Regulator FDIC Assets and Liabilities Assets $352.91 million Loans $220.98 million Deposits $304.26 million Equity Capital $30.74 million Loan Loss Allowance $3.88 million Unbacked Noncurrent Loans $3.03 million Real Estate Owned $5.27 million Historic Data - December 2010 Assets $324.19 million Equity Capital $25.47 million Loan Loss Allowance $4.07 million Unbacked Noncurrent Loans $5.09 million Real Estate Owned $6.34 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.83% Return on Equity 9.95% Interest Income $15.19 million

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 State Bank had $8.3 million in non-current loans and owned real-estate with $34.62 million in equity and loan loss allowances on hand to cover it. This gives Carroll County State Bank a Texas Ratio of 23.99% 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 Carroll County State Bank decreased slightly from 38.69% as of December 31, 2010 to 23.99% as of December 31, 2011, resulting in a positive change of 38.00%.This indicates that the balance sheet and financial strength for Carroll County State Bank has improved slightly in recent periods. Deposit Growth In the past year, Carroll County State Bank has increased its total deposits by $23.9 million, resulting in 8.52% 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 Carroll County 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. Carroll County State Bank has $352.91 million in assets with $34.62 million in equity, resulting in a capitalization level of 9.81%, which is average.

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