Bank 7

Bank 7 is headquartered in Oklahoma City and is the 62^nd largest bank in the state of Oklahoma. It is also the 2,961^st largest bank in the nation. It was established in 1901 and as of December of 2011, it had grown to 52 employees at 6 locations. Bank 7 has a 4-star health rating.

Bank 7 Routing Number: 103103778

Data for Q4 2011

Institution Statistics Bank 7 FDIC Certificate # 4147 BankRate Report View Year Established 1901 Employees 52 Primary Regulator FED Assets and Liabilities Assets $211.57 million Loans $168.75 million Deposits $187.71 million Equity Capital $20.69 million Loan Loss Allowance $1.79 million Unbacked Noncurrent Loans $3.82 million Real Estate Owned $402,000 Historic Data - December 2010 Assets $139.30 million Equity Capital $10.73 million Loan Loss Allowance $937,000 Unbacked Noncurrent Loans $837,000 Real Estate Owned $402,000 Profit Margin - Quarterly Net Interest Margin 5.7% Return on Assets 8.71% Return on Equity 84.49% Interest Income $11.63 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 Bank 7 had $4.22 million in non-current loans and owned real-estate with $22.48 million in equity and loan loss allowances on hand to cover it. This gives Bank 7 a Texas Ratio of 18.77% 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 Bank 7 increased slightly from 10.62% as of December 31, 2010 to 18.77% as of December 31, 2011, resulting in a negative change of 76.80%. This indicates that the balance sheet and financial strength for Bank 7 has declined slightly in recent periods. Deposit Growth In the past year, Bank 7 has increased its total deposits by $64.89 million, resulting in 52.83% 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 Bank 7 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. Bank 7 has $211.57 million in assets with $22.48 million in equity, resulting in a capitalization level of 10.62%, which is above average.

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