Cattleman's National Bank

Cattleman's National Bank is headquartered in Round Mountain and is the 440^th largest bank in the state of Texas. It is also the 5,477^th largest bank in the nation. It was established in 1986 and as of September of 2011, it had grown to 28 employees at 5 locations. Cattleman's National Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Cattleman's National Bank FDIC Certificate # 26688 BankRate Report View Year Established 1986 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $80.93 million Loans $42.48 million Deposits $74.50 million Equity Capital $6.26 million Loan Loss Allowance $761,000 Unbacked Noncurrent Loans $367,000 Real Estate Owned $75,000 Historic Data - September 2010 Assets $76.13 million Equity Capital $6.25 million Loan Loss Allowance $791,000 Unbacked Noncurrent Loans $569,000 Real Estate Owned $99,000 Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets -0.01% Return on Equity -0.06% Interest Income $2.13 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 Cattleman's National Bank had $442,000 in non-current loans and owned real-estate with $7.02 million in equity and loan loss allowances on hand to cover it. This gives Cattleman's National Bank a Texas Ratio of 6.30% 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 Cattleman's National Bank decreased slightly from 9.49% as of September 30, 2010 to 6.30% as of September 30, 2011, resulting in a positive change of 33.69%.This indicates that the balance sheet and financial strength for Cattleman's National Bank has improved slightly in recent periods. Deposit Growth In the past year, Cattleman's National Bank has increased its total deposits by $4.84 million, resulting in 6.95% 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 Cattleman's 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. Cattleman's National Bank has $80.93 million in assets with $7.02 million in equity, resulting in a capitalization level of 8.68%, which is average.

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