Brenham National Bank

Brenham National Bank is headquartered in Brenham and is the 187^th largest bank in the state of Texas. It is also the 2,353^rd largest bank in the nation. It was established in 1933 and as of December of 2011, it had grown to 55 employees at 3 locations. Brenham National Bank has a 5-star health rating.

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Data for Q4 2011

Institution Statistics The Brenham National Bank FDIC Certificate # 3113 BankRate Report View Year Established 1933 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $272.46 million Loans $99.52 million Deposits $234.29 million Equity Capital $27.15 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $434,000 Real Estate Owned $1.80 million Historic Data - December 2010 Assets $232.90 million Equity Capital $21.54 million Loan Loss Allowance $2.06 million Unbacked Noncurrent Loans $1.42 million Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.14% Return on Equity 11.82% Interest Income $9.64 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 Brenham National Bank had $2.24 million in non-current loans and owned real-estate with $29.21 million in equity and loan loss allowances on hand to cover it. This gives Brenham National Bank a Texas Ratio of 7.66% 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 Brenham National Bank held steady from 6.03% as of December 31, 2010 to 7.66% as of December 31, 2011, resulting in a negative change of 27.00%. This indicates that the balance sheet and financial strength for Brenham National Bank has held steady in recent periods. Deposit Growth In the past year, Brenham National Bank has increased its total deposits by $35.34 million, resulting in 17.76% 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 Brenham National Bank 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. Brenham National Bank has $272.46 million in assets with $29.21 million in equity, resulting in a capitalization level of 10.72%, which is above average.

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