Bank of South Texas

Bank of South Texas is headquartered in Mcallen and is the 453^rd largest bank in the state of Texas. It is also the 5,581^st largest bank in the nation. It was established in 1986 and as of December of 2011, it had grown to 33 employees at 5 locations. Bank of South Texas has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bank of South Texas FDIC Certificate # 26727 BankRate Report View Year Established 1986 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $76.65 million Loans $51.29 million Deposits $65.61 million Equity Capital $10.88 million Loan Loss Allowance $524,000 Unbacked Noncurrent Loans $2.39 million Real Estate Owned $1.76 million Historic Data - December 2010 Assets $76.53 million Equity Capital $9.18 million Loan Loss Allowance $601,000 Unbacked Noncurrent Loans $881,000 Real Estate Owned $2.37 million Profit Margin - Quarterly Net Interest Margin 5.2% Return on Assets 0.05% Return on Equity 0.39% Interest Income $4.08 million

Institution Health Overall Score: 3 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 of South Texas had $4.15 million in non-current loans and owned real-estate with $11.41 million in equity and loan loss allowances on hand to cover it. This gives Bank of South Texas a Texas Ratio of 36.35% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of South Texas held steady from 33.24% as of December 31, 2010 to 36.35% as of December 31, 2011, resulting in a negative change of 9.34%. This indicates that the balance sheet and financial strength for Bank of South Texas has held steady in recent periods. Deposit Growth In the past year, Bank of South Texas has decreased its total deposits by -$1.7 million, resulting in -2.52% 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 Bank of South Texas has shown is below average. 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 of South Texas has $76.65 million in assets with $11.41 million in equity, resulting in a capitalization level of 14.88%, which is excellent.

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