Community State Bank of Canton

Community State Bank of Canton is headquartered in Canton and is the 212^st largest bank in the state of Oklahoma. It is also the 6,792^nd largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 15 employees at 2 locations. Community State Bank of Canton has a 4-star health rating.

Community State Bank of Canton Routing Number: 103104764

Data for Q1 2012

Institution Statistics Community State Bank of Canton FDIC Certificate # 26416 BankRate Report View Year Established 1985 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $36.03 million Loans $22.62 million Deposits $31.95 million Equity Capital $3.96 million Loan Loss Allowance $979,000 Unbacked Noncurrent Loans $524,000 Historic Data - March 2011 Assets $36.00 million Equity Capital $3.86 million Loan Loss Allowance $969,000 Unbacked Noncurrent Loans $729,000 Real Estate Owned $116,000 Profit Margin - Quarterly Net Interest Margin 5.09% Return on Assets 0.8% Return on Equity 7.43% Interest Income $461,000

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 of Canton had $524,000 in non-current loans and owned real-estate with $4.94 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank of Canton a Texas Ratio of 10.62% 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 Community State Bank of Canton decreased slightly from 17.49% as of March 31, 2011 to 10.62% as of March 31, 2012, resulting in a positive change of 39.31%.This indicates that the balance sheet and financial strength for Community State Bank of Canton has improved slightly in recent periods. Deposit Growth In the past year, Community State Bank of Canton has decreased its total deposits by $-89,000, resulting in -0.28% 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 of Canton 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 of Canton has $36.03 million in assets with $4.94 million in equity, resulting in a capitalization level of 13.70%, which is excellent.

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