Huntington State Bank

Huntington State Bank is headquartered in Huntington and is the 214^st largest bank in the state of Texas. It is also the 2,702^nd largest bank in the nation. It was established in 1961 and as of March of 2012, it had grown to 101 employees at 10 locations. Huntington State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Huntington State Bank FDIC Certificate # 18344 BankRate Report View Year Established 1961 Employees 101 Primary Regulator FDIC Assets and Liabilities Assets $237.50 million Loans $149.22 million Deposits $201.53 million Equity Capital $21.40 million Loan Loss Allowance $4.77 million Unbacked Noncurrent Loans $195,000 Real Estate Owned $5.20 million Historic Data - March 2011 Assets $262.98 million Equity Capital $19.54 million Loan Loss Allowance $6.55 million Unbacked Noncurrent Loans $9.31 million Real Estate Owned $3.64 million Profit Margin - Quarterly Net Interest Margin 4.69% Return on Assets 0.88% Return on Equity 9.79% Interest Income $2.78 million

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 Huntington State Bank had $5.39 million in non-current loans and owned real-estate with $26.17 million in equity and loan loss allowances on hand to cover it. This gives Huntington State Bank a Texas Ratio of 20.60% 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 Huntington State Bank decreased significantly from 49.64% as of March 31, 2011 to 20.60% as of March 31, 2012, resulting in a positive change of 58.49%.This indicates that the balance sheet and financial strength for Huntington State Bank has improved significantly in recent periods. Deposit Growth In the past year, Huntington State Bank has decreased its total deposits by -$13.86 million, resulting in -6.44% 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 Huntington State Bank has shown is poor. 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. Huntington State Bank has $237.5 million in assets with $26.17 million in equity, resulting in a capitalization level of 11.02%, which is above average.

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