Burton State Bank

Burton State Bank is headquartered in Burton and is the 491^st largest bank in the state of Texas. It is also the 6,142^nd largest bank in the nation. It was established in 1906 and as of December of 2011, it had grown to 9 employees at 1 location. Burton State Bank has a 5-star health rating.

Burton State Bank Routing Number: 113109830

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Data for Q4 2011

Institution Statistics Burton State Bank FDIC Certificate # 13669 BankRate Report View Year Established 1906 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $57.56 million Loans $14.83 million Deposits $50.89 million Equity Capital $6.64 million Loan Loss Allowance $115,000 Unbacked Noncurrent Loans $121,000 Historic Data - December 2010 Assets $53.66 million Equity Capital $6.45 million Loan Loss Allowance $104,000 Unbacked Noncurrent Loans $2,000 Profit Margin - Quarterly Net Interest Margin 2.12% Return on Assets 0.69% Return on Equity 5.57% Interest Income $1.48 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 Burton State Bank had $121,000 in non-current loans and owned real-estate with $6.75 million in equity and loan loss allowances on hand to cover it. This gives Burton State Bank 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 Burton State Bank held steady from 0.03% as of December 31, 2010 to 1.79% as of December 31, 2011, resulting in a negative change of 5,772.53%. This indicates that the balance sheet and financial strength for Burton State Bank has held steady in recent periods. Deposit Growth In the past year, Burton State Bank has increased its total deposits by $3.73 million, resulting in 7.9% 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 Burton State 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. Burton State Bank has $57.56 million in assets with $6.75 million in equity, resulting in a capitalization level of 11.73%, which is above average.

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