Carroll County Trust Company of Carrollton, Missouri

Carroll County Trust Company of Carrollton, Missouri is headquartered in Carrollton and is the 164^th largest bank in the state of Missouri. It is also the 4,393^rd largest bank in the nation. It was established in 1919 and as of December of 2011, it had grown to 25 employees at 2 locations. Carroll County Trust Company of Carrollton, Missouri has a 5-star health rating.

Data for Q4 2011

Institution Statistics Carroll County Trust Company of Carrollton, Missouri FDIC Certificate # 1611 BankRate Report View Year Established 1919 Employees 25 Primary Regulator FDIC Assets and Liabilities Assets $122.11 million Loans $50.61 million Deposits $88.67 million Equity Capital $13.81 million Loan Loss Allowance $847,000 Unbacked Noncurrent Loans $1.34 million Real Estate Owned $11,000 Historic Data - December 2010 Assets $115.24 million Equity Capital $13.34 million Loan Loss Allowance $795,000 Unbacked Noncurrent Loans $962,000 Real Estate Owned $2,000 Profit Margin - Quarterly Net Interest Margin 3.22% Return on Assets 1.2% Return on Equity 10.43% Interest Income $4.88 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 Carroll County Trust Company of Carrollton, Missouri had $1.35 million in non-current loans and owned real-estate with $14.66 million in equity and loan loss allowances on hand to cover it. This gives Carroll County Trust Company of Carrollton, Missouri a Texas Ratio of 9.20% 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 Trust Company of Carrollton, Missouri held steady from 6.82% as of December 31, 2010 to 9.20% as of December 31, 2011, resulting in a negative change of 34.93%. This indicates that the balance sheet and financial strength for Carroll County Trust Company of Carrollton, Missouri has held steady in recent periods. Deposit Growth In the past year, Carroll County Trust Company of Carrollton, Missouri has increased its total deposits by $7.45 million, resulting in 9.17% 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 Trust Company of Carrollton, Missouri 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 Trust Company of Carrollton, Missouri has $122.11 million in assets with $14.66 million in equity, resulting in a capitalization level of 12.00%, which is excellent.

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