Bank of the Lakes, National Association

Bank of the Lakes, National Association is headquartered in Owasso and is the 72^nd largest bank in the state of Oklahoma. It is also the 3,153^rd largest bank in the nation. It was established in 1976 and as of December of 2011, it had grown to 53 employees at 7 locations. Bank of the Lakes, National Association's savings rates are 88% higher than the national average, and it has a 3-star health rating.

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Data for Q4 2011

Institution Statistics Bank of the Lakes, National Association FDIC Certificate # 22353 BankRate Report View Year Established 1976 Employees 53 Primary Regulator OCC Assets and Liabilities Assets $195.58 million Loans $142.70 million Deposits $175.51 million Equity Capital $19.81 million Loan Loss Allowance $2.46 million Unbacked Noncurrent Loans $7.58 million Real Estate Owned $7.48 million Historic Data - December 2010 Assets $184.45 million Equity Capital $18.41 million Loan Loss Allowance $2.32 million Unbacked Noncurrent Loans $3.76 million Real Estate Owned $8.81 million Profit Margin - Quarterly Net Interest Margin 3.82% Return on Assets 0.3% Return on Equity 2.95% Interest Income $8.30 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 the Lakes, National Association had $15.06 million in non-current loans and owned real-estate with $22.26 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Lakes, National Association a Texas Ratio of 67.63% 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 the Lakes, National Association held steady from 60.63% as of December 31, 2010 to 67.63% as of December 31, 2011, resulting in a negative change of 11.54%. This indicates that the balance sheet and financial strength for Bank of the Lakes, National Association has held steady in recent periods. Deposit Growth In the past year, Bank of the Lakes, National Association has increased its total deposits by $10.27 million, resulting in 6.22% 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 the Lakes, National Association 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 of the Lakes, National Association has $195.58 million in assets with $22.26 million in equity, resulting in a capitalization level of 11.38%, which is above average.

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