The Corner Stone Bank

The Corner Stone Bank is headquartered in South West City and is the 166^th largest bank in the state of Missouri. It is also the 4,329^th largest bank in the nation. It was established in 1898 and as of March of 2012, it had grown to 50 employees at 4 locations. The Corner Stone Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Corner Stone Bank FDIC Certificate # 9388 BankRate Report View Year Established 1898 Employees 50 Primary Regulator FDIC Assets and Liabilities Assets $126.64 million Loans $81.59 million Deposits $113.15 million Equity Capital $13.24 million Loan Loss Allowance $1.70 million Unbacked Noncurrent Loans $2.37 million Real Estate Owned $4.05 million Historic Data - March 2011 Assets $132.71 million Equity Capital $12.50 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $3.13 million Real Estate Owned $4.68 million Profit Margin - Quarterly Net Interest Margin 5.51% Return on Assets 1.46% Return on Equity 14.24% Interest Income $1.90 million

Institution Health Overall Score: 3 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 Corner Stone Bank had $6.42 million in non-current loans and owned real-estate with $14.94 million in equity and loan loss allowances on hand to cover it. This gives The Corner Stone Bank a Texas Ratio of 42.99% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Corner Stone Bank decreased slightly from 54.36% as of March 31, 2011 to 42.99% as of March 31, 2012, resulting in a positive change of 20.93%.This indicates that the balance sheet and financial strength for The Corner Stone Bank has improved slightly in recent periods. Deposit Growth In the past year, The Corner Stone Bank has decreased its total deposits by -$6.55 million, resulting in -5.47% 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 Corner Stone Bank has shown is poor. 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 Corner Stone Bank has $126.64 million in assets with $14.94 million in equity, resulting in a capitalization level of 11.80%, which is above average.

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