Bank of the Panhandle

Bank of the Panhandle is headquartered in Guymon and is the 106^th largest bank in the state of Oklahoma. It is also the 4,083^rd largest bank in the nation. It was established in 1976 and as of September of 2011, it had grown to 28 employees at 1 location. Bank of the Panhandle's savings rates are 5X the national average, and it boasts a 5-star health rating.

Bank of the Panhandle Routing Number: 103102164

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Data for Q3 2011

Institution Statistics Bank of the Panhandle FDIC Certificate # 22340 BankRate Report View Year Established 1976 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $137.13 million Loans $56.76 million Deposits $107.94 million Equity Capital $15.78 million Loan Loss Allowance $971,000 Unbacked Noncurrent Loans $154,000 Real Estate Owned $146,000 Historic Data - September 2010 Assets $113.78 million Equity Capital $14.46 million Loan Loss Allowance $841,000 Unbacked Noncurrent Loans $296,000 Real Estate Owned $146,000 Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 1.56% Return on Equity 13.63% Interest Income $4.24 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 September 30, 2011 Bank of the Panhandle had $300,000 in non-current loans and owned real-estate with $16.75 million in equity and loan loss allowances on hand to cover it. This gives Bank of the Panhandle a Texas Ratio of 1.79% 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 the Panhandle decreased slightly from 2.89% as of September 30, 2010 to 1.79% as of September 30, 2011, resulting in a positive change of 37.99%.This indicates that the balance sheet and financial strength for Bank of the Panhandle has improved slightly in recent periods. Deposit Growth In the past year, Bank of the Panhandle has increased its total deposits by $25.4 million, resulting in 30.78% 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 Panhandle 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 Panhandle has $137.13 million in assets with $16.75 million in equity, resulting in a capitalization level of 12.21%, which is excellent.

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