Falcon International Bank

Falcon International Bank is headquartered in Laredo and is the 63^rd largest bank in the state of Texas. It is also the 805^th largest bank in the nation. It was established in 1986 and as of December of 2012, it had grown to 259 employees at 15 locations. Falcon International Bank has a 3-star health rating.

Falcon International Bank Routing Number: 114915803

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Data for Q4 2012

Institution Statistics Falcon International Bank FDIC Certificate # 26856 BankRate Report View Year Established 1986 Employees 259 Primary Regulator FDIC Assets and Liabilities Assets $826.30 million Loans $480.78 million Deposits $719.63 million Equity Capital $92.75 million Loan Loss Allowance $10.86 million Unbacked Noncurrent Loans $10.58 million Real Estate Owned $31.18 million Historic Data - December 2011 Assets $869.56 million Equity Capital $87.65 million Loan Loss Allowance $13.15 million Unbacked Noncurrent Loans $41.08 million Real Estate Owned $38.00 million Profit Margin - Quarterly Net Interest Margin 3.77% Return on Assets 0.59% Return on Equity 5.6% Interest Income $33.76 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 December 31, 2012 Falcon International Bank had $41.75 million in non-current loans and owned real-estate with $103.61 million in equity and loan loss allowances on hand to cover it. This gives Falcon International Bank a Texas Ratio of 40.30% 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 Falcon International Bank decreased significantly from 78.45% as of December 31, 2011 to 40.30% as of December 31, 2012, resulting in a positive change of 48.63%.This indicates that the balance sheet and financial strength for Falcon International Bank has improved significantly in recent periods. Deposit Growth In the past year, Falcon International Bank has decreased its total deposits by -$43.27 million, resulting in -5.67% 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 Falcon International 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. Falcon International Bank has $826.3 million in assets with $103.61 million in equity, resulting in a capitalization level of 12.54%, which is excellent.