First Victoria National Bank

First Victoria National Bank is headquartered in Victoria and is the 25^th largest bank in the state of Texas. It is also the 365^th largest bank in the nation. It was established in 1867 and as of March of 2012, it had grown to 515 employees at 27 locations. First Victoria National Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Victoria National Bank FDIC Certificate # 5570 BankRate Report View Year Established 1867 Employees 515 Primary Regulator OCC Assets and Liabilities Assets $1.91 billion Loans $1.32 billion Deposits $1.70 billion Equity Capital $200.71 million Loan Loss Allowance $23.54 million Unbacked Noncurrent Loans $9.66 million Real Estate Owned $3.49 million Historic Data - March 2011 Assets $1.75 billion Equity Capital $177.23 million Loan Loss Allowance $22.73 million Unbacked Noncurrent Loans $17.62 million Real Estate Owned $3.04 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.98% Return on Equity 9.48% Interest Income $20.26 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 First Victoria National Bank had $13.15 million in non-current loans and owned real-estate with $224.25 million in equity and loan loss allowances on hand to cover it. This gives First Victoria National Bank a Texas Ratio of 5.86% 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 First Victoria National Bank decreased significantly from 10.33% as of March 31, 2011 to 5.86% as of March 31, 2012, resulting in a positive change of 43.23%.This indicates that the balance sheet and financial strength for First Victoria National Bank has improved significantly in recent periods. Deposit Growth In the past year, First Victoria National Bank has increased its total deposits by $158.66 million, resulting in 10.27% 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 First Victoria 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. First Victoria National Bank has $1.91 billion in assets with $224.25 million in equity, resulting in a capitalization level of 11.71%, which is above average.

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