Dallas City Bank

Dallas City Bank is headquartered in Dallas and is the 339^th largest bank in the state of Texas. It is also the 4,321^st largest bank in the nation. It was established in 2003 and as of March of 2012, it had grown to 21 employees at 2 locations. Dallas City Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Preston State Bank FDIC Certificate # 57650 BankRate Report View Year Established 2003 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $127.00 million Loans $86.14 million Deposits $105.01 million Equity Capital $21.56 million Loan Loss Allowance $1.28 million Unbacked Noncurrent Loans $6.12 million Real Estate Owned $4.07 million Historic Data - March 2011 Assets $143.74 million Equity Capital $21.96 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $10.82 million Real Estate Owned $7.40 million Profit Margin - Quarterly Net Interest Margin 3.71% Return on Assets 0% Return on Equity 0.02% Interest Income $1.29 million

Institution Health Overall Score: 3 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 Dallas City Bank had $10.19 million in non-current loans and owned real-estate with $22.84 million in equity and loan loss allowances on hand to cover it. This gives Dallas City Bank a Texas Ratio of 44.61% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Dallas City Bank decreased significantly from 75.46% as of March 31, 2011 to 44.61% as of March 31, 2012, resulting in a positive change of 40.88%.This indicates that the balance sheet and financial strength for Dallas City Bank has improved significantly in recent periods. Deposit Growth In the past year, Dallas City Bank has decreased its total deposits by -$9.2 million, resulting in -8.06% 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 Dallas City Bank has shown is poor. 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. Dallas City Bank has $127 million in assets with $22.84 million in equity, resulting in a capitalization level of 17.98%, which is excellent.

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