Evolve Bank & Trust

Evolve Bank & Trust is headquartered in West Memphis and is the 49^th largest bank in the state of Arkansas. It is also the 2,904^th largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 327 employees at 22 locations. Evolve Bank & Trust has a 4-star health rating.

Data for Q1 2012

Institution Statistics Evolve Bank & Trust FDIC Certificate # 1299 BankRate Report View Year Established 1925 Employees 327 Primary Regulator FED Assets and Liabilities Assets $219.29 million Loans $178.31 million Deposits $172.52 million Equity Capital $22.49 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $4.68 million Historic Data - March 2011 Assets $162.84 million Equity Capital $16.53 million Loan Loss Allowance $1.34 million Unbacked Noncurrent Loans $81,000 Real Estate Owned $308,000 Profit Margin - Quarterly Net Interest Margin 3.91% Return on Assets 0.81% Return on Equity 8.45% Interest Income $2.48 million

Institution Health Overall Score: 4 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 Evolve Bank & Trust had $4.68 million in non-current loans and owned real-estate with $24.57 million in equity and loan loss allowances on hand to cover it. This gives Evolve Bank & Trust a Texas Ratio of 19.05% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Evolve Bank & Trust increased slightly from 2.18% as of March 31, 2011 to 19.05% as of March 31, 2012, resulting in a negative change of 774.89%. This indicates that the balance sheet and financial strength for Evolve Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, Evolve Bank & Trust has increased its total deposits by $47.91 million, resulting in 38.45% 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 Evolve Bank & Trust 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. Evolve Bank & Trust has $219.29 million in assets with $24.57 million in equity, resulting in a capitalization level of 11.20%, which is above average.

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