Anahuac National Bank

Anahuac National Bank is headquartered in Anahuac and is the 459^th largest bank in the state of Texas. It is also the 5,680^th largest bank in the nation. It was established in 1976 and as of December of 2011, it had grown to 27 employees at 3 locations. Anahuac National Bank has a 5-star health rating.

Anahuac National Bank Routing Number: 113107162

Data for Q4 2011

Institution Statistics Anahuac National Bank FDIC Certificate # 22381 BankRate Report View Year Established 1976 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $73.36 million Loans $48.09 million Deposits $64.67 million Equity Capital $7.50 million Loan Loss Allowance $848,000 Unbacked Noncurrent Loans $425,000 Real Estate Owned $221,000 Historic Data - December 2010 Assets $68.85 million Equity Capital $6.78 million Loan Loss Allowance $700,000 Real Estate Owned $112,000 Profit Margin - Quarterly Net Interest Margin 5.4% Return on Assets 1.18% Return on Equity 11.62% Interest Income $4.08 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 December 31, 2011 Anahuac National Bank had $646,000 in non-current loans and owned real-estate with $8.35 million in equity and loan loss allowances on hand to cover it. This gives Anahuac National Bank a Texas Ratio of 7.74% 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 Anahuac National Bank increased slightly from 1.50% as of December 31, 2010 to 7.74% as of December 31, 2011, resulting in a negative change of 416.87%. This indicates that the balance sheet and financial strength for Anahuac National Bank has declined slightly in recent periods. Deposit Growth In the past year, Anahuac National Bank has increased its total deposits by $2.8 million, resulting in 4.53% 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 Anahuac National 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. Anahuac National Bank has $73.36 million in assets with $8.35 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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