The Community State Bank

The Community State Bank is headquartered in Poteau and is the 74^th largest bank in the state of Oklahoma. It is also the 3,291^st largest bank in the nation. It was established in 1970 and as of September of 2011, it had grown to 90 employees at 5 locations. The Community State Bank's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics The Community State Bank FDIC Certificate # 20279 BankRate Report View Year Established 1970 Employees 90 Primary Regulator FED Assets and Liabilities Assets $185.33 million Loans $130.66 million Deposits $156.42 million Equity Capital $17.30 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $259,000 Real Estate Owned $323,000 Historic Data - September 2010 Assets $181.38 million Equity Capital $16.06 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $150,000 Real Estate Owned $694,000 Profit Margin - Quarterly Net Interest Margin 5.13% Return on Assets 1.05% Return on Equity 11.91% Interest Income $7.54 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 September 30, 2011 The Community State Bank had $582,000 in non-current loans and owned real-estate with $18.71 million in equity and loan loss allowances on hand to cover it. This gives The Community State Bank a Texas Ratio of 3.11% 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 Community State Bank decreased significantly from 6.15% as of September 30, 2010 to 3.11% as of September 30, 2011, resulting in a positive change of 49.40%.This indicates that the balance sheet and financial strength for The Community State Bank has improved significantly in recent periods. Deposit Growth In the past year, The Community State Bank has increased its total deposits by $2.99 million, resulting in 1.95% 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 Community State Bank 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 Community State Bank has $185.33 million in assets with $18.71 million in equity, resulting in a capitalization level of 10.10%, which is above average.

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