Austin Bank, Texas National Association

Austin Bank, Texas National Association is headquartered in Jacksonville and is the 34^th largest bank in the state of Texas. It is also the 497^th largest bank in the nation. It was established in 1900 and as of December of 2011, it had grown to 425 employees at 31 locations. Austin Bank, Texas National Association has a 5-star health rating.

Austin Bank, Texas National Association Money Market Rates

Data for Q4 2011

Institution Statistics Austin Bank, Texas National Association FDIC Certificate # 3276 BankRate Report View Year Established 1900 Employees 425 Primary Regulator OCC Assets and Liabilities Assets $1.33 billion Loans $974.42 million Deposits $1.15 billion Equity Capital $141.59 million Loan Loss Allowance $11.53 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $1.83 million Historic Data - December 2010 Assets $1.25 billion Equity Capital $129.37 million Loan Loss Allowance $10.44 million Unbacked Noncurrent Loans $5.16 million Real Estate Owned $2.92 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 1.21% Return on Equity 11.48% Interest Income $61.57 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 Austin Bank, Texas National Association had $5.74 million in non-current loans and owned real-estate with $153.12 million in equity and loan loss allowances on hand to cover it. This gives Austin Bank, Texas National Association a Texas Ratio of 3.75% 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 Austin Bank, Texas National Association decreased slightly from 5.63% as of December 31, 2010 to 3.75% as of December 31, 2011, resulting in a positive change of 33.42%.This indicates that the balance sheet and financial strength for Austin Bank, Texas National Association has improved slightly in recent periods. Deposit Growth In the past year, Austin Bank, Texas National Association has increased its total deposits by $72.18 million, resulting in 6.67% 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 Austin Bank, Texas National Association 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. Austin Bank, Texas National Association has $1.33 billion in assets with $153.12 million in equity, resulting in a capitalization level of 11.53%, which is above average.

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