Arrowhead Bank

Arrowhead Bank is headquartered in Llano and is the 324^th largest bank in the state of Texas. It is also the 4,144^th largest bank in the nation. It was established in 1923 and as of December of 2011, it had grown to 40 employees at 5 locations. Arrowhead Bank has a 4-star health rating.

Arrowhead Bank Routing Number: 114920526

Data for Q4 2011

Institution Statistics Arrowhead Bank FDIC Certificate # 1198 BankRate Report View Year Established 1923 Employees 40 Primary Regulator FDIC Assets and Liabilities Assets $133.49 million Loans $73.06 million Deposits $120.25 million Equity Capital $13.15 million Loan Loss Allowance $423,000 Unbacked Noncurrent Loans $468,000 Real Estate Owned $921,000 Historic Data - December 2010 Assets $123.18 million Equity Capital $13.14 million Loan Loss Allowance $356,000 Unbacked Noncurrent Loans $194,000 Real Estate Owned $1.39 million Profit Margin - Quarterly Net Interest Margin 2.89% Return on Assets 0.01% Return on Equity 0.08% Interest Income $3.74 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 Arrowhead Bank had $1.39 million in non-current loans and owned real-estate with $13.58 million in equity and loan loss allowances on hand to cover it. This gives Arrowhead Bank a Texas Ratio of 10.23% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Arrowhead Bank held steady from 11.76% as of December 31, 2010 to 10.23% as of December 31, 2011, resulting in a positive change of 13.02%.This indicates that the balance sheet and financial strength for Arrowhead Bank has held steady in recent periods. Deposit Growth In the past year, Arrowhead Bank has increased its total deposits by $10.42 million, resulting in 9.49% 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 Arrowhead 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. Arrowhead Bank has $133.49 million in assets with $13.58 million in equity, resulting in a capitalization level of 10.17%, which is above average.

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