Fort Davis State Bank

Fort Davis State Bank is headquartered in Fort Davis and is the 432^nd largest bank in the state of Texas. It is also the 5,342^nd largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 39 employees at 4 locations. Fort Davis State Bank has a 3-star health rating.

Fort Davis State Bank Routing Number: 112314066

Data for Q1 2012

Institution Statistics Fort Davis State Bank FDIC Certificate # 17446 BankRate Report View Year Established 1911 Employees 39 Primary Regulator FDIC Assets and Liabilities Assets $85.22 million Loans $46.89 million Deposits $77.18 million Equity Capital $7.48 million Loan Loss Allowance $349,000 Unbacked Noncurrent Loans $1.06 million Real Estate Owned $1.18 million Historic Data - March 2011 Assets $82.76 million Equity Capital $6.86 million Loan Loss Allowance $303,000 Unbacked Noncurrent Loans $1.50 million Real Estate Owned $527,000 Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets 1.25% Return on Equity 14.03% Interest Income $910,000

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 Fort Davis State Bank had $2.23 million in non-current loans and owned real-estate with $7.83 million in equity and loan loss allowances on hand to cover it. This gives Fort Davis State Bank a Texas Ratio of 28.51% 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 Fort Davis State Bank held steady from 24.38% as of March 31, 2011 to 28.51% as of March 31, 2012, resulting in a negative change of 16.93%. This indicates that the balance sheet and financial strength for Fort Davis State Bank has held steady in recent periods. Deposit Growth In the past year, Fort Davis State Bank has increased its total deposits by $1.75 million, resulting in 2.31% 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 Fort Davis State Bank has shown is above 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. Fort Davis State Bank has $85.22 million in assets with $7.83 million in equity, resulting in a capitalization level of 9.19%, which is average.

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