Texan Bank

Texan Bank is headquartered in Sugar Land and is the 483^rd largest bank in the state of Texas. It is also the 6,087^th largest bank in the nation. It was established in 2007 and as of December of 2011, it had grown to 21 employees at 1 location. Texan Bank has a 5-star health rating.

Texan Bank Routing Number: 113194162

Data for Q4 2011

Institution Statistics Texan Bank OTS # 18051 FDIC Certificate # 58671 BankRate Report View Year Established 2007 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $59.86 million Loans $35.86 million Deposits $47.77 million Equity Capital $10.32 million Loan Loss Allowance $548,000 Unbacked Noncurrent Loans $264,000 Historic Data - December 2010 Assets $35.38 million Equity Capital $5.33 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $419,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets -1.22% Return on Equity -6.21% Interest Income $1.97 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 Texan Bank had $264,000 in non-current loans and owned real-estate with $10.86 million in equity and loan loss allowances on hand to cover it. This gives Texan Bank a Texas Ratio of 2.43% 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 Texan Bank decreased significantly from 6.95% as of December 31, 2010 to 2.43% as of December 31, 2011, resulting in a positive change of 65.04%.This indicates that the balance sheet and financial strength for Texan Bank has improved significantly in recent periods. Deposit Growth In the past year, Texan Bank has increased its total deposits by $19.75 million, resulting in 70.52% 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 Texan 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. Texan Bank has $59.86 million in assets with $10.86 million in equity, resulting in a capitalization level of 18.15%, which is excellent.

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