Commercial Bank & Trust Company

Commercial Bank & Trust Company is headquartered in Monticello and is the 70^th largest bank in the state of Arkansas. It is also the 3,696^th largest bank in the nation. It was established in 1913 and as of March of 2012, it had grown to 40 employees at 5 locations. Commercial Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics Commercial Bank & Trust Company FDIC Certificate # 90 BankRate Report View Year Established 1913 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $160.39 million Loans $98.97 million Deposits $143.07 million Equity Capital $16.71 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $1.44 million Real Estate Owned $1.84 million Historic Data - March 2011 Assets $155.78 million Equity Capital $15.37 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $443,000 Real Estate Owned $2.48 million Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 1.84% Return on Equity 17.75% Interest Income $2.11 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 March 31, 2012 Commercial Bank & Trust Company had $3.28 million in non-current loans and owned real-estate with $18.61 million in equity and loan loss allowances on hand to cover it. This gives Commercial Bank & Trust Company a Texas Ratio of 17.61% 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 Commercial Bank & Trust Company held steady from 17.09% as of March 31, 2011 to 17.61% as of March 31, 2012, resulting in a negative change of 3.07%. This indicates that the balance sheet and financial strength for Commercial Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Commercial Bank & Trust Company has increased its total deposits by $3.33 million, resulting in 2.39% 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 Commercial Bank & Trust Company has shown is above 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. Commercial Bank & Trust Company has $160.39 million in assets with $18.61 million in equity, resulting in a capitalization level of 11.61%, which is above average.

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