Crockett National Bank

Crockett National Bank is headquartered in Ozona and is the 152^nd largest bank in the state of Texas. It is also the 1,989^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 64 employees at 5 locations. Crockett National Bank has a 5-star health rating.

Data for Q1 2012

Institution Statistics Crockett National Bank FDIC Certificate # 24561 BankRate Report View Year Established 1983 Employees 64 Primary Regulator OCC Assets and Liabilities Assets $327.19 million Loans $250.41 million Deposits $274.10 million Equity Capital $37.63 million Loan Loss Allowance $3.61 million Unbacked Noncurrent Loans $2.16 million Real Estate Owned $48,000 Historic Data - March 2011 Assets $298.39 million Equity Capital $30.71 million Loan Loss Allowance $3.56 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $45,000 Profit Margin - Quarterly Net Interest Margin 4.37% Return on Assets 1.97% Return on Equity 16.64% Interest Income $3.77 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 March 31, 2012 Crockett National Bank had $2.21 million in non-current loans and owned real-estate with $41.24 million in equity and loan loss allowances on hand to cover it. This gives Crockett National Bank a Texas Ratio of 5.36% 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 Crockett National Bank decreased significantly from 11.54% as of March 31, 2011 to 5.36% as of March 31, 2012, resulting in a positive change of 53.60%.This indicates that the balance sheet and financial strength for Crockett National Bank has improved significantly in recent periods. Deposit Growth In the past year, Crockett National Bank has increased its total deposits by $23.84 million, resulting in 9.53% 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 Crockett 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. Crockett National Bank has $327.19 million in assets with $41.24 million in equity, resulting in a capitalization level of 12.60%, which is excellent.

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