Commercial State Bank (TX)

Commercial State Bank (TX) is headquartered in Palmer and is the 471^st largest bank in the state of Texas. It is also the 5,931^st largest bank in the nation. It was established in 1930 and as of March of 2012, it had grown to 19 employees at 3 locations. Commercial State Bank (TX) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics Commercial State Bank FDIC Certificate # 10330 BankRate Report View Year Established 1930 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $64.88 million Loans $28.47 million Deposits $58.00 million Equity Capital $5.78 million Loan Loss Allowance $350,000 Unbacked Noncurrent Loans $1,000,000 Real Estate Owned $270,000 Historic Data - March 2011 Assets $58.90 million Equity Capital $5.02 million Loan Loss Allowance $363,000 Unbacked Noncurrent Loans $458,000 Real Estate Owned $266,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 3.7% Return on Equity 40.89% Interest Income $673,000

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 March 31, 2012 Commercial State Bank (TX) had $1.27 million in non-current loans and owned real-estate with $6.13 million in equity and loan loss allowances on hand to cover it. This gives Commercial State Bank (TX) a Texas Ratio of 20.71% 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 State Bank (TX) increased slightly from 13.45% as of March 31, 2011 to 20.71% as of March 31, 2012, resulting in a negative change of 54.04%. This indicates that the balance sheet and financial strength for Commercial State Bank (TX) has declined slightly in recent periods. Deposit Growth In the past year, Commercial State Bank (TX) has increased its total deposits by $5.46 million, resulting in 10.4% 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 (TX) 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 State Bank (TX) has $64.88 million in assets with $6.13 million in equity, resulting in a capitalization level of 9.45%, which is average.

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