BankTexas

BankTexas is headquartered in Quitman and is the 236^th largest bank in the state of Texas. It is also the 3,054^th largest bank in the nation. It was established in 1914 and as of September of 2011, it had grown to 73 employees at 7 locations. BankTexas' savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Bank Texas, National Association FDIC Certificate # 3402 BankRate Report View Year Established 1914 Employees 73 Primary Regulator OCC Assets and Liabilities Assets $203.94 million Loans $109.94 million Deposits $173.58 million Equity Capital $21.15 million Loan Loss Allowance $1.45 million Unbacked Noncurrent Loans $35,000 Real Estate Owned $294,000 Historic Data - September 2010 Assets $189.80 million Equity Capital $19.72 million Loan Loss Allowance $1.46 million Unbacked Noncurrent Loans $1.32 million Real Estate Owned $2.57 million Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 0.74% Return on Equity 7.2% Interest Income $6.50 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 BankTexas had $329,000 in non-current loans and owned real-estate with $22.6 million in equity and loan loss allowances on hand to cover it. This gives BankTexas a Texas Ratio of 1.46% 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 BankTexas decreased significantly from 18.39% as of September 30, 2010 to 1.46% as of September 30, 2011, resulting in a positive change of 92.09%.This indicates that the balance sheet and financial strength for BankTexas has improved significantly in recent periods. Deposit Growth In the past year, BankTexas has increased its total deposits by $16.77 million, resulting in 10.69% 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 BankTexas 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. BankTexas has $203.94 million in assets with $22.6 million in equity, resulting in a capitalization level of 11.08%, which is above average.