The City State Bank of Palacios

The City State Bank of Palacios is headquartered in Palacios and is the 493^rd largest bank in the state of Texas. It is also the 6,178^th largest bank in the nation. It was established in 1940 and as of March of 2012, it had grown to 17 employees at 1 location. The City State Bank of Palacios has a 5-star health rating.

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Data for Q1 2012

Institution Statistics The City State Bank of Palacios FDIC Certificate # 15764 BankRate Report View Year Established 1940 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $56.32 million Loans $22.03 million Deposits $50.13 million Equity Capital $5.78 million Loan Loss Allowance $360,000 Historic Data - March 2011 Assets $52.67 million Equity Capital $5.27 million Loan Loss Allowance $412,000 Unbacked Noncurrent Loans $72,000 Real Estate Owned $479,000 Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 1.07% Return on Equity 10.61% Interest Income $509,000

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 State Bank of Palacios had $0 in non-current loans and owned real-estate with $6.14 million in equity and loan loss allowances on hand to cover it. This gives The City State Bank of Palacios a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, The City State Bank of Palacios has increased its total deposits by $3.05 million, resulting in 6.47% 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 State Bank of Palacios has shown is excellent. 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 State Bank of Palacios has $56.32 million in assets with $6.14 million in equity, resulting in a capitalization level of 10.90%, which is above average.

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