Anadarko Bank and Trust Company

Anadarko Bank and Trust Company is headquartered in Anadarko and is the 172^nd largest bank in the state of Oklahoma. It is also the 6,047^th largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 28 employees at 4 locations. Anadarko Bank and Trust Company has a 3-star health rating.

Data for Q4 2011

Institution Statistics Anadarko Bank and Trust Company FDIC Certificate # 15354 BankRate Report View Year Established 1901 Employees 28 Primary Regulator FED Assets and Liabilities Assets $61.26 million Loans $38.69 million Deposits $53.49 million Equity Capital $7.64 million Loan Loss Allowance $706,000 Unbacked Noncurrent Loans $2.20 million Real Estate Owned $183,000 Historic Data - December 2010 Assets $62.68 million Equity Capital $6.81 million Loan Loss Allowance $519,000 Unbacked Noncurrent Loans $2.55 million Real Estate Owned $18,000 Profit Margin - Quarterly Net Interest Margin 4.34% Return on Assets 0.6% Return on Equity 5.1% Interest Income $2.94 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 December 31, 2011 Anadarko Bank and Trust Company had $2.38 million in non-current loans and owned real-estate with $8.34 million in equity and loan loss allowances on hand to cover it. This gives Anadarko Bank and Trust Company a Texas Ratio of 28.52% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Anadarko Bank and Trust Company held steady from 32.01% as of December 31, 2010 to 28.52% as of December 31, 2011, resulting in a positive change of 10.90%.This indicates that the balance sheet and financial strength for Anadarko Bank and Trust Company has held steady in recent periods. Deposit Growth In the past year, Anadarko Bank and Trust Company has decreased its total deposits by -$2.2 million, resulting in -3.96% 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 Anadarko Bank and Trust Company has shown is below 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. Anadarko Bank and Trust Company has $61.26 million in assets with $8.34 million in equity, resulting in a capitalization level of 13.62%, which is excellent.

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