Bank of the West (TX)

Bank of the West (TX) is headquartered in Grapevine and is the 148^th largest bank in the state of Texas. It is also the 1,967^th largest bank in the nation. It was established in 1986 and as of December of 2011, it had grown to 78 employees at 10 locations. Bank of the West (TX) has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank of the West FDIC Certificate # 26627 BankRate Report View Year Established 1986 Employees 78 Primary Regulator FDIC Assets and Liabilities Assets $330.10 million Loans $177.68 million Deposits $296.14 million Equity Capital $33.46 million Loan Loss Allowance $2.69 million Unbacked Noncurrent Loans $70,000 Real Estate Owned $5.17 million Historic Data - December 2010 Assets $290.16 million Equity Capital $27.91 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $3.13 million Real Estate Owned $1.41 million Profit Margin - Quarterly Net Interest Margin 4.2% Return on Assets 0.78% Return on Equity 8.03% Interest Income $13.00 million

Institution Health Overall Score: 4 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 West (TX) had $5.24 million in non-current loans and owned real-estate with $36.15 million in equity and loan loss allowances on hand to cover it. This gives Bank of the West (TX) a Texas Ratio of 14.49% which is above 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 West (TX) held steady from 15.08% as of December 31, 2010 to 14.49% as of December 31, 2011, resulting in a positive change of 3.92%.This indicates that the balance sheet and financial strength for Bank of the West (TX) has held steady in recent periods. Deposit Growth In the past year, Bank of the West (TX) has increased its total deposits by $34.57 million, resulting in 13.22% 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 West (TX) 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 West (TX) has $330.1 million in assets with $36.15 million in equity, resulting in a capitalization level of 10.95%, which is above average.

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