Bank of Texas (TX)

Bank of Texas (TX) is headquartered in Austin and is the 452^nd largest bank in the state of Texas. It is also the 5,543^rd largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 21 employees at 3 locations. Bank of Texas (TX) has a 5-star health rating.

Data for Q4 2011

Institution Statistics Bank of Texas FDIC Certificate # 11942 BankRate Report View Year Established 1907 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $77.92 million Loans $26.87 million Deposits $70.43 million Equity Capital $7.44 million Loan Loss Allowance $716,000 Unbacked Noncurrent Loans $336,000 Real Estate Owned $38,000 Historic Data - December 2010 Assets $82.72 million Equity Capital $8.35 million Loan Loss Allowance $796,000 Unbacked Noncurrent Loans $410,000 Real Estate Owned $390,000 Profit Margin - Quarterly Net Interest Margin 3.02% Return on Assets -1.05% Return on Equity -9.83% Interest Income $2.23 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 Bank of Texas (TX) had $374,000 in non-current loans and owned real-estate with $8.16 million in equity and loan loss allowances on hand to cover it. This gives Bank of Texas (TX) a Texas Ratio of 4.58% 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 Bank of Texas (TX) decreased significantly from 8.75% as of December 31, 2010 to 4.58% as of December 31, 2011, resulting in a positive change of 47.59%.This indicates that the balance sheet and financial strength for Bank of Texas (TX) has improved significantly in recent periods. Deposit Growth In the past year, Bank of Texas (TX) has decreased its total deposits by -$3.64 million, resulting in -4.91% 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 Texas (TX) 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 Texas (TX) has $77.92 million in assets with $8.16 million in equity, resulting in a capitalization level of 10.47%, which is above average.

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