Fort Hood National Bank

Fort Hood National Bank is headquartered in Fort Hood and is the 218^st largest bank in the state of Texas. It is also the 2,767^th largest bank in the nation. It was established in 1966 and as of March of 2012, it had grown to 114 employees at 10 locations. Fort Hood National Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Fort Hood National Bank FDIC Certificate # 19640 BankRate Report View Year Established 1966 Employees 114 Primary Regulator OCC Assets and Liabilities Assets $230.88 million Loans $33.94 million Deposits $200.60 million Equity Capital $21.01 million Loan Loss Allowance $378,000 Unbacked Noncurrent Loans $20,000 Historic Data - March 2011 Assets $233.55 million Equity Capital $18.59 million Loan Loss Allowance $268,000 Unbacked Noncurrent Loans $9,000 Profit Margin - Quarterly Net Interest Margin 2.86% Return on Assets 0.73% Return on Equity 7.97% Interest Income $1.62 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 Fort Hood National Bank had $20,000 in non-current loans and owned real-estate with $21.39 million in equity and loan loss allowances on hand to cover it. This gives Fort Hood National Bank a Texas Ratio of 0.09% 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 Fort Hood National Bank held steady from 0.05% as of March 31, 2011 to 0.09% as of March 31, 2012, resulting in a negative change of 95.97%. This indicates that the balance sheet and financial strength for Fort Hood National Bank has held steady in recent periods. Deposit Growth In the past year, Fort Hood National Bank has decreased its total deposits by -$3.36 million, resulting in -1.65% 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 Hood National Bank has shown is below 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 Hood National Bank has $230.88 million in assets with $21.39 million in equity, resulting in a capitalization level of 9.26%, which is average.