The Roscoe State Bank

The Roscoe State Bank is headquartered in Roscoe and is the 300^th largest bank in the state of Texas. It is also the 3,796^th largest bank in the nation. It was established in 1906 and as of March of 2012, it had grown to 38 employees at 3 locations. The Roscoe State Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Roscoe State Bank FDIC Certificate # 1213 BankRate Report View Year Established 1906 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $154.57 million Loans $30.37 million Deposits $137.68 million Equity Capital $14.65 million Loan Loss Allowance $637,000 Unbacked Noncurrent Loans $63,000 Historic Data - March 2011 Assets $129.77 million Equity Capital $12.31 million Loan Loss Allowance $662,000 Unbacked Noncurrent Loans $24,000 Real Estate Owned $26,000 Profit Margin - Quarterly Net Interest Margin 2.94% Return on Assets 1.18% Return on Equity 12.2% Interest Income $1.25 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 Roscoe State Bank had $63,000 in non-current loans and owned real-estate with $15.29 million in equity and loan loss allowances on hand to cover it. This gives The Roscoe State Bank a Texas Ratio of 0.41% 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 Roscoe State Bank held steady from 0.39% as of March 31, 2011 to 0.41% as of March 31, 2012, resulting in a negative change of 6.92%. This indicates that the balance sheet and financial strength for The Roscoe State Bank has held steady in recent periods. Deposit Growth In the past year, The Roscoe State Bank has increased its total deposits by $25.41 million, resulting in 22.64% 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 Roscoe State Bank 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 Roscoe State Bank has $154.57 million in assets with $15.29 million in equity, resulting in a capitalization level of 9.89%, which is average.

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