Classic Bank

Classic Bank is headquartered in Cameron and is the 219^st largest bank in the state of Texas. It is also the 2,867^th largest bank in the nation. It was established in 1889 and as of September of 2011, it had grown to 74 employees at 5 locations. Classic Bank has a 5-star health rating.

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Data for Q3 2011

Institution Statistics Classic Bank, National Association FDIC Certificate # 3126 BankRate Report View Year Established 1889 Employees 74 Primary Regulator OCC Assets and Liabilities Assets $219.72 million Loans $137.11 million Deposits $195.79 million Equity Capital $22.00 million Loan Loss Allowance $2.07 million Unbacked Noncurrent Loans $268,000 Real Estate Owned $872,000 Historic Data - September 2010 Assets $213.17 million Equity Capital $20.81 million Loan Loss Allowance $1.50 million Real Estate Owned $510,000 Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 1.28% Return on Equity 13.58% Interest Income $7.72 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 Classic Bank had $1.14 million in non-current loans and owned real-estate with $24.07 million in equity and loan loss allowances on hand to cover it. This gives Classic Bank a Texas Ratio of 4.74% 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 Classic Bank held steady from 2.29% as of September 30, 2010 to 4.74% as of September 30, 2011, resulting in a negative change of 107.15%. This indicates that the balance sheet and financial strength for Classic Bank has held steady in recent periods. Deposit Growth In the past year, Classic Bank has increased its total deposits by $10.2 million, resulting in 5.5% 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 Classic 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. Classic Bank has $219.72 million in assets with $24.07 million in equity, resulting in a capitalization level of 10.96%, which is above average.

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