Ballinger National Bank

Ballinger National Bank is headquartered in Ballinger and is the 540^th largest bank in the state of Texas. It is also the 6,579^th largest bank in the nation. It was established in 1997 and as of December of 2011, it had grown to 20 employees at 1 location. Ballinger National Bank has a 4-star health rating.

Ballinger National Bank Routing Number: 111302600

Data for Q4 2011

Institution Statistics Ballinger National Bank FDIC Certificate # 34456 BankRate Report View Year Established 1997 Employees 20 Primary Regulator OCC Assets and Liabilities Assets $43.32 million Loans $19.44 million Deposits $38.35 million Equity Capital $4.61 million Loan Loss Allowance $272,000 Unbacked Noncurrent Loans $575,000 Real Estate Owned $48,000 Historic Data - December 2010 Assets $37.64 million Equity Capital $4.58 million Loan Loss Allowance $268,000 Unbacked Noncurrent Loans $72,000 Real Estate Owned $91,000 Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 0.82% Return on Equity 7.03% Interest Income $1.70 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 Ballinger National Bank had $623,000 in non-current loans and owned real-estate with $4.88 million in equity and loan loss allowances on hand to cover it. This gives Ballinger National Bank a Texas Ratio of 12.77% 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 Ballinger National Bank increased slightly from 3.36% as of December 31, 2010 to 12.77% as of December 31, 2011, resulting in a negative change of 279.86%. This indicates that the balance sheet and financial strength for Ballinger National Bank has declined slightly in recent periods. Deposit Growth In the past year, Ballinger National Bank has increased its total deposits by $5.84 million, resulting in 17.95% 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 Ballinger National 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. Ballinger National Bank has $43.32 million in assets with $4.88 million in equity, resulting in a capitalization level of 11.26%, which is above average.

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