DeSoto County Bank

DeSoto County Bank is headquartered in Horn Lake and is the 76^th largest bank in the state of Mississippi. It is also the 5,578^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 19 employees at 2 locations. DeSoto County Bank has a 4-star health rating.

DeSoto County Bank Routing Number: 084006237

Data for Q1 2012

Institution Statistics DeSoto County Bank FDIC Certificate # 58154 BankRate Report View Year Established 2006 Employees 19 Primary Regulator FDIC Assets and Liabilities Assets $77.04 million Loans $58.66 million Deposits $63.40 million Equity Capital $10.54 million Loan Loss Allowance $1.20 million Unbacked Noncurrent Loans $652,000 Real Estate Owned $2.42 million Historic Data - March 2011 Assets $78.35 million Equity Capital $10.28 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $1.98 million Real Estate Owned $811,000 Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 0.64% Return on Equity 4.62% Interest Income $995,000

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 DeSoto County Bank had $3.08 million in non-current loans and owned real-estate with $11.73 million in equity and loan loss allowances on hand to cover it. This gives DeSoto County Bank a Texas Ratio of 26.21% 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 DeSoto County Bank held steady from 25.32% as of March 31, 2011 to 26.21% as of March 31, 2012, resulting in a negative change of 3.51%. This indicates that the balance sheet and financial strength for DeSoto County Bank has held steady in recent periods. Deposit Growth In the past year, DeSoto County Bank has decreased its total deposits by $-531,000, resulting in -0.83% 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 DeSoto County Bank 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. DeSoto County Bank has $77.04 million in assets with $11.73 million in equity, resulting in a capitalization level of 15.23%, which is excellent.

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