Grapeland State Bank

Grapeland State Bank is headquartered in Grapeland and is the 569^th largest bank in the state of Texas. It is also the 6,889^th largest bank in the nation. It was established in 1911 and as of March of 2012, it had grown to 9 employees at 2 locations. Grapeland State Bank has a 5-star health rating.

Grapeland State Bank Routing Number: 113113923

Data for Q1 2012

Institution Statistics Grapeland State Bank FDIC Certificate # 11934 BankRate Report View Year Established 1911 Employees 9 Primary Regulator FDIC Assets and Liabilities Assets $32.40 million Loans $16.34 million Deposits $27.89 million Equity Capital $3.69 million Loan Loss Allowance $255,000 Unbacked Noncurrent Loans $283,000 Historic Data - March 2011 Assets $26.32 million Equity Capital $1.84 million Loan Loss Allowance $206,000 Unbacked Noncurrent Loans $455,000 Profit Margin - Quarterly Net Interest Margin 3.87% Return on Assets 1.47% Return on Equity 12.7% Interest Income $364,000

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 Grapeland State Bank had $283,000 in non-current loans and owned real-estate with $3.95 million in equity and loan loss allowances on hand to cover it. This gives Grapeland State Bank a Texas Ratio of 7.17% 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 Grapeland State Bank decreased significantly from 22.20% as of March 31, 2011 to 7.17% as of March 31, 2012, resulting in a positive change of 67.70%.This indicates that the balance sheet and financial strength for Grapeland State Bank has improved significantly in recent periods. Deposit Growth In the past year, Grapeland State Bank has increased its total deposits by $3.68 million, resulting in 15.19% 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 Grapeland State 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. Grapeland State Bank has $32.4 million in assets with $3.95 million in equity, resulting in a capitalization level of 12.18%, which is excellent.

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