Green Bank, National Association

Green Bank, National Association is headquartered in Houston and is the 34^th largest bank in the state of Texas. It is also the 491^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 157 employees at 12 locations. Green Bank, National Association's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics Green Bank, National Association FDIC Certificate # 35007 BankRate Report View Year Established 1999 Employees 157 Primary Regulator OCC Assets and Liabilities Assets $1.36 billion Loans $960.20 million Deposits $1.18 billion Equity Capital $149.54 million Loan Loss Allowance $12.31 million Unbacked Noncurrent Loans $6.90 million Real Estate Owned $3.54 million Historic Data - March 2011 Assets $870.44 million Equity Capital $133.83 million Loan Loss Allowance $8.72 million Unbacked Noncurrent Loans $13.94 million Profit Margin - Quarterly Net Interest Margin 3.65% Return on Assets 0.55% Return on Equity 4.99% Interest Income $13.88 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 Green Bank, National Association had $10.44 million in non-current loans and owned real-estate with $161.85 million in equity and loan loss allowances on hand to cover it. This gives Green Bank, National Association a Texas Ratio of 6.45% 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 Green Bank, National Association decreased slightly from 9.78% as of March 31, 2011 to 6.45% as of March 31, 2012, resulting in a positive change of 34.02%.This indicates that the balance sheet and financial strength for Green Bank, National Association has improved slightly in recent periods. Deposit Growth In the past year, Green Bank, National Association has increased its total deposits by $473.19 million, resulting in 66.51% 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 Green 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. Green Bank, National Association has $1.36 billion in assets with $161.85 million in equity, resulting in a capitalization level of 11.94%, which is above average.

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