Commercial Savings Bank

Commercial Savings Bank is headquartered in Carroll and is the 164^th largest bank in the state of Iowa. It is also the 4,494^th largest bank in the nation. It was established in 1917 and as of March of 2012, it had grown to 28 employees at 3 locations. Commercial Savings Bank's savings rates are 3X the national average, and it has a 4-star health rating.

Commercial Savings Bank Routing Number: 073919571

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Data for Q1 2012

Institution Statistics Commercial Savings Bank FDIC Certificate # 231 BankRate Report View Year Established 1917 Employees 28 Primary Regulator FED Assets and Liabilities Assets $118.82 million Loans $75.45 million Deposits $100.89 million Equity Capital $10.56 million Loan Loss Allowance $931,000 Unbacked Noncurrent Loans $1.11 million Real Estate Owned $106,000 Historic Data - March 2011 Assets $105.15 million Equity Capital $10.05 million Loan Loss Allowance $800,000 Unbacked Noncurrent Loans $94,000 Profit Margin - Quarterly Net Interest Margin 3.84% Return on Assets 1.44% Return on Equity 16.45% Interest Income $1.15 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 Savings Bank had $1.22 million in non-current loans and owned real-estate with $11.49 million in equity and loan loss allowances on hand to cover it. This gives Commercial Savings Bank a Texas Ratio of 10.57% 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 Commercial Savings Bank decreased slightly from 12.76% as of March 31, 2011 to 10.57% as of March 31, 2012, resulting in a positive change of 17.17%.This indicates that the balance sheet and financial strength for Commercial Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Commercial Savings Bank has increased its total deposits by $10.52 million, resulting in 11.64% 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 Savings 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. Commercial Savings Bank has $118.82 million in assets with $11.49 million in equity, resulting in a capitalization level of 9.67%, which is average.

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