Community State Bank of Missouri

Community State Bank of Missouri is headquartered in Bowling Green and is the 106^th largest bank in the state of Missouri. It is also the 3,053^rd largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 42 employees at 2 locations. Community State Bank of Missouri has a 5-star health rating.

Community State Bank of Missouri Routing Number: 081509449

Data for Q1 2012

Institution Statistics Community State Bank of Missouri FDIC Certificate # 1936 BankRate Report View Year Established 1887 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $205.48 million Loans $104.73 million Deposits $178.22 million Equity Capital $25.92 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $982,000 Real Estate Owned $78,000 Historic Data - March 2011 Assets $201.94 million Equity Capital $23.87 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $298,000 Profit Margin - Quarterly Net Interest Margin 3.41% Return on Assets 1.65% Return on Equity 12.8% Interest Income $2.02 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 Community State Bank of Missouri had $1.06 million in non-current loans and owned real-estate with $27.33 million in equity and loan loss allowances on hand to cover it. This gives Community State Bank of Missouri a Texas Ratio of 3.88% 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 of Missouri decreased slightly from 5.77% as of March 31, 2011 to 3.88% as of March 31, 2012, resulting in a positive change of 32.82%.This indicates that the balance sheet and financial strength for Community State Bank of Missouri has improved slightly in recent periods. Deposit Growth In the past year, Community State Bank of Missouri has increased its total deposits by $2.12 million, resulting in 1.21% 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 Missouri 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. Community State Bank of Missouri has $205.48 million in assets with $27.33 million in equity, resulting in a capitalization level of 13.30%, which is excellent.

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