The City National Bank of Sulphur Springs

The City National Bank of Sulphur Springs is headquartered in Sulphur Springs and is the 116^st largest bank in the state of Texas. It is also the 1,575^th largest bank in the nation. It was established in 1889 and as of March of 2012, it had grown to 138 employees at 8 locations. The City National Bank of Sulphur Springs' savings rates are 3X the national average, and it boasts a 5-star health rating.

The City National Bank of Sulphur Springs Checking Account Rates

The City National Bank of Sulphur Springs Savings Account Rates

The City National Bank of Sulphur Springs Money Market Rates

The City National Bank of Sulphur Springs CD Rates

The City National Bank of Sulphur Springs IRA Rates

Data for Q1 2012

Institution Statistics The City National Bank of Sulphur Springs FDIC Certificate # 5544 BankRate Report View Year Established 1889 Employees 138 Primary Regulator OCC Assets and Liabilities Assets $422.91 million Loans $298.11 million Deposits $382.20 million Equity Capital $37.71 million Loan Loss Allowance $4.58 million Unbacked Noncurrent Loans $1.55 million Real Estate Owned $951,000 Historic Data - March 2011 Assets $403.16 million Equity Capital $34.11 million Loan Loss Allowance $4.69 million Unbacked Noncurrent Loans $2.10 million Real Estate Owned $1.98 million Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 1.38% Return on Equity 15.76% Interest Income $5.03 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 The City National Bank of Sulphur Springs had $2.5 million in non-current loans and owned real-estate with $42.29 million in equity and loan loss allowances on hand to cover it. This gives The City National Bank of Sulphur Springs a Texas Ratio of 5.92% 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 The City National Bank of Sulphur Springs decreased significantly from 10.50% as of March 31, 2011 to 5.92% as of March 31, 2012, resulting in a positive change of 43.56%.This indicates that the balance sheet and financial strength for The City National Bank of Sulphur Springs has improved significantly in recent periods. Deposit Growth In the past year, The City National Bank of Sulphur Springs has increased its total deposits by $15.88 million, resulting in 4.34% 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 The City National Bank of Sulphur Springs 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. The City National Bank of Sulphur Springs has $422.91 million in assets with $42.29 million in equity, resulting in a capitalization level of 10.00%, which is above average.

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