Golden Bank, National Association

Golden Bank, National Association is headquartered in Houston and is the 94^th largest bank in the state of Texas. It is also the 1,269^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 82 employees at 6 locations. Golden Bank, National Association's savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Golden Bank, National Association FDIC Certificate # 26223 BankRate Report View Year Established 1985 Employees 82 Primary Regulator OCC Assets and Liabilities Assets $534.04 million Loans $290.40 million Deposits $465.20 million Equity Capital $66.97 million Loan Loss Allowance $7.00 million Unbacked Noncurrent Loans $14.64 million Real Estate Owned $7.38 million Historic Data - March 2011 Assets $530.04 million Equity Capital $63.91 million Loan Loss Allowance $7.84 million Unbacked Noncurrent Loans $18.31 million Real Estate Owned $18.62 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.61% Return on Equity 4.81% Interest Income $5.03 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 Golden Bank, National Association had $22.02 million in non-current loans and owned real-estate with $73.97 million in equity and loan loss allowances on hand to cover it. This gives Golden Bank, National Association a Texas Ratio of 29.77% 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 Golden Bank, National Association decreased significantly from 51.47% as of March 31, 2011 to 29.77% as of March 31, 2012, resulting in a positive change of 42.16%.This indicates that the balance sheet and financial strength for Golden Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, Golden Bank, National Association has increased its total deposits by $33.84 million, resulting in 7.85% 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 Golden Bank, National Association 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. Golden Bank, National Association has $534.04 million in assets with $73.97 million in equity, resulting in a capitalization level of 13.85%, which is excellent.

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