Community State Bank (MO)

Community State Bank (MO) is headquartered in Shelbina and is the 272^nd largest bank in the state of Missouri. It is also the 6,240^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 13 employees at 2 locations. Community State Bank (MO) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Community State Bank FDIC Certificate # 22567 BankRate Report View Year Established 1977 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $54.14 million Loans $24.82 million Deposits $43.44 million Equity Capital $4.57 million Loan Loss Allowance $539,000 Unbacked Noncurrent Loans $107,000 Historic Data - March 2011 Assets $54.22 million Equity Capital $4.25 million Loan Loss Allowance $483,000 Unbacked Noncurrent Loans $79,000 Profit Margin - Quarterly Net Interest Margin 2.95% Return on Assets 0.91% Return on Equity 10.82% Interest Income $476,000

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 Community State Bank (MO) had $107,000 in non-current loans and owned real-estate with $5.11 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank (MO) a Texas Ratio of 2.09% 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 Community State Bank (MO) held steady from 1.67% as of March 31, 2011 to 2.09% as of March 31, 2012, resulting in a negative change of 25.40%. This indicates that the balance sheet and financial strength for Community State Bank (MO) has held steady in recent periods. Deposit Growth In the past year, Community State Bank (MO) has increased its total deposits by $37,000, resulting in 0.09% 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 Community State Bank (MO) has shown is 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. Community State Bank (MO) has $54.14 million in assets with $5.11 million in equity, resulting in a capitalization level of 9.44%, which is average.

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