Armstrong Bank

Armstrong Bank is headquartered in Muskogee and is the 15^st largest bank in the state of Oklahoma. It is also the 1,150^th largest bank in the nation. It was established in 1910 and as of December of 2011, it had grown to 210 employees at 17 locations. Armstrong Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Armstrong Bank FDIC Certificate # 2315 BankRate Report View Year Established 1910 Employees 210 Primary Regulator FDIC Assets and Liabilities Assets $579.74 million Loans $371.19 million Deposits $498.25 million Equity Capital $67.69 million Loan Loss Allowance $4.47 million Unbacked Noncurrent Loans $7.49 million Real Estate Owned $7.47 million Historic Data - December 2010 Assets $555.40 million Equity Capital $53.91 million Loan Loss Allowance $4.04 million Unbacked Noncurrent Loans $9.45 million Real Estate Owned $6.33 million Profit Margin - Quarterly Net Interest Margin 4.71% Return on Assets 1.96% Return on Equity 18.71% Interest Income $28.99 million

Institution Health Overall Score: 4 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 Armstrong Bank had $14.97 million in non-current loans and owned real-estate with $72.17 million in equity and loan loss allowances on hand to cover it. This gives Armstrong Bank a Texas Ratio of 20.74% 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 Armstrong Bank decreased slightly from 27.24% as of December 31, 2010 to 20.74% as of December 31, 2011, resulting in a positive change of 23.88%.This indicates that the balance sheet and financial strength for Armstrong Bank has improved slightly in recent periods. Deposit Growth In the past year, Armstrong Bank has increased its total deposits by $19.92 million, resulting in 4.16% 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 Armstrong 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. Armstrong Bank has $579.74 million in assets with $72.17 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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