Great Plains National Bank (OK)

Great Plains National Bank (OK) is headquartered in Elk City and is the 28^th largest bank in the state of Oklahoma. It is also the 1,629^th largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 182 employees at 12 locations. Great Plains National Bank (OK) has a 5-star health rating.

Data for Q1 2012

Institution Statistics Great Plains National Bank FDIC Certificate # 34207 BankRate Report View Year Established 1996 Employees 182 Primary Regulator OCC Assets and Liabilities Assets $408.76 million Loans $331.23 million Deposits $370.50 million Equity Capital $36.45 million Loan Loss Allowance $3.43 million Unbacked Noncurrent Loans $1.23 million Real Estate Owned $646,000 Historic Data - March 2011 Assets $364.91 million Equity Capital $31.64 million Loan Loss Allowance $3.37 million Unbacked Noncurrent Loans $2.13 million Real Estate Owned $879,000 Profit Margin - Quarterly Net Interest Margin 6.11% Return on Assets 2.58% Return on Equity 28.44% Interest Income $6.27 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 Great Plains National Bank (OK) had $1.88 million in non-current loans and owned real-estate with $39.88 million in equity and loan loss allowances on hand to cover it. This gives Great Plains National Bank (OK) a Texas Ratio of 4.71% 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 Great Plains National Bank (OK) decreased significantly from 8.60% as of March 31, 2011 to 4.71% as of March 31, 2012, resulting in a positive change of 45.26%.This indicates that the balance sheet and financial strength for Great Plains National Bank (OK) has improved significantly in recent periods. Deposit Growth In the past year, Great Plains National Bank (OK) has increased its total deposits by $39.24 million, resulting in 11.85% 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 Great Plains National Bank (OK) 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. Great Plains National Bank (OK) has $408.76 million in assets with $39.88 million in equity, resulting in a capitalization level of 9.76%, which is average.

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