Greater South Texas Bank

Greater South Texas Bank is headquartered in Falfurrias and is the 502^nd largest bank in the state of Texas. It is also the 6,239^th largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 21 employees at 3 locations. Greater South Texas Bank has a 3-star health rating.

Greater South Texas Bank Routing Number: 314973548

Data for Q1 2012

Institution Statistics Greater South Texas Bank FDIC Certificate # 31762 BankRate Report View Year Established 1974 Employees 21 Primary Regulator FDIC Assets and Liabilities Assets $54.15 million Loans $34.45 million Deposits $48.04 million Equity Capital $5.33 million Loan Loss Allowance $432,000 Unbacked Noncurrent Loans $908,000 Real Estate Owned $941,000 Historic Data - March 2011 Assets $53.51 million Equity Capital $5.01 million Loan Loss Allowance $449,000 Unbacked Noncurrent Loans $642,000 Real Estate Owned $1.47 million Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 0.55% Return on Equity 5.43% Interest Income $692,000

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 Greater South Texas Bank had $1.85 million in non-current loans and owned real-estate with $5.76 million in equity and loan loss allowances on hand to cover it. This gives Greater South Texas Bank a Texas Ratio of 32.08% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Greater South Texas Bank decreased slightly from 38.80% as of March 31, 2011 to 32.08% as of March 31, 2012, resulting in a positive change of 17.30%.This indicates that the balance sheet and financial strength for Greater South Texas Bank has improved slightly in recent periods. Deposit Growth In the past year, Greater South Texas Bank has increased its total deposits by $380,000, resulting in 0.8% 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 Greater South Texas Bank has shown is 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. Greater South Texas Bank has $54.15 million in assets with $5.76 million in equity, resulting in a capitalization level of 10.64%, which is above average.

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