Cypress Bank, FSB

Cypress Bank, FSB is headquartered in Pittsburg and is the 282^nd largest bank in the state of Texas. It is also the 3,543^rd largest bank in the nation. It was established in 1976 and as of March of 2012, it had grown to 55 employees at 4 locations. Cypress Bank, FSB has a 5-star health rating.

Cypress Bank, FSB Routing Number: 311974032

Data for Q1 2012

Institution Statistics Cypress Bank, SSB OTS # 07589 FDIC Certificate # 31905 BankRate Report View Year Established 1976 Employees 55 Primary Regulator FDIC Assets and Liabilities Assets $169.35 million Loans $111.15 million Deposits $127.81 million Equity Capital $13.84 million Loan Loss Allowance $1.17 million Unbacked Noncurrent Loans $360,000 Real Estate Owned $306,000 Historic Data - March 2011 Assets $166.56 million Equity Capital $12.89 million Loan Loss Allowance $939,000 Unbacked Noncurrent Loans $244,000 Real Estate Owned $986,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 0.75% Return on Equity 9.14% Interest Income $2.14 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 Cypress Bank, FSB had $666,000 in non-current loans and owned real-estate with $15.01 million in equity and loan loss allowances on hand to cover it. This gives Cypress Bank, FSB a Texas Ratio of 4.44% 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 Cypress Bank, FSB decreased significantly from 8.89% as of March 31, 2011 to 4.44% as of March 31, 2012, resulting in a positive change of 50.12%.This indicates that the balance sheet and financial strength for Cypress Bank, FSB has improved significantly in recent periods. Deposit Growth In the past year, Cypress Bank, FSB has increased its total deposits by $811,000, resulting in 0.64% 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 Cypress Bank, FSB has shown is average. 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. Cypress Bank, FSB has $169.34 million in assets with $15.01 million in equity, resulting in a capitalization level of 8.87%, which is average.

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