Commercial State Bank, of Wagner

Commercial State Bank, of Wagner is headquartered in Wagner and is the 32^nd largest bank in the state of South Dakota. It is also the 4,172^nd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 26 employees at 1 location. Commercial State Bank, of Wagner has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Commercial State Bank, of Wagner FDIC Certificate # 9932 BankRate Report View Year Established 1902 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $133.74 million Loans $67.34 million Deposits $119.33 million Equity Capital $13.74 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $280,000 Real Estate Owned $600,000 Historic Data - March 2011 Assets $129.83 million Equity Capital $12.07 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.69 million Real Estate Owned $11,000 Profit Margin - Quarterly Net Interest Margin 4.93% Return on Assets 0.29% Return on Equity 2.7% Interest Income $1.64 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 March 31, 2012 Commercial State Bank, of Wagner had $880,000 in non-current loans and owned real-estate with $15.12 million in equity and loan loss allowances on hand to cover it. This gives Commercial State Bank, of Wagner a Texas Ratio of 5.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Commercial State Bank, of Wagner decreased significantly from 12.68% as of March 31, 2011 to 5.82% as of March 31, 2012, resulting in a positive change of 54.10%.This indicates that the balance sheet and financial strength for Commercial State Bank, of Wagner has improved significantly in recent periods. Deposit Growth In the past year, Commercial State Bank, of Wagner has increased its total deposits by $2.3 million, resulting in 1.97% 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 State Bank, of Wagner 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 State Bank, of Wagner has $133.74 million in assets with $15.12 million in equity, resulting in a capitalization level of 11.30%, which is above average.

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