CBC Bank

CBC Bank is headquartered in Bowling Green and is the 305^th largest bank in the state of Missouri. It is also the 6,891^st largest bank in the nation. It was established in 1871 and as of December of 2011, it had grown to 19 employees at 4 locations. CBC Bank has a 3-star health rating.

Data for Q4 2011

Institution Statistics CBC Bank FDIC Certificate # 1421 BankRate Report View Year Established 1871 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $32.68 million Loans $14.71 million Deposits $29.31 million Equity Capital $3.30 million Loan Loss Allowance $326,000 Real Estate Owned $955,000 Historic Data - December 2010 Assets $33.37 million Equity Capital $3.35 million Loan Loss Allowance $331,000 Unbacked Noncurrent Loans $54,000 Real Estate Owned $1.01 million Profit Margin - Quarterly Net Interest Margin 3% Return on Assets -0.2% Return on Equity -2.04% Interest Income $1.14 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 CBC Bank had $955,000 in non-current loans and owned real-estate with $3.62 million in equity and loan loss allowances on hand to cover it. This gives CBC Bank a Texas Ratio of 26.36% 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 CBC Bank held steady from 29.03% as of December 31, 2010 to 26.36% as of December 31, 2011, resulting in a positive change of 9.20%.This indicates that the balance sheet and financial strength for CBC Bank has held steady in recent periods. Deposit Growth In the past year, CBC Bank has decreased its total deposits by $-628,000, resulting in -2.1% 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 CBC 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. CBC Bank has $32.68 million in assets with $3.62 million in equity, resulting in a capitalization level of 11.09%, which is above average.

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