Icon Bank of Texas, National Association

Icon Bank of Texas, National Association is headquartered in Houston and is the 129^th largest bank in the state of Texas. It is also the 1,703^rd largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 73 employees at 6 locations. Icon Bank of Texas, National Association has a 4-star health rating.

Data for Q1 2012

Institution Statistics Icon Bank of Texas, National Association FDIC Certificate # 58378 BankRate Report View Year Established 2007 Employees 73 Primary Regulator OCC Assets and Liabilities Assets $392.18 million Loans $293.81 million Deposits $350.20 million Equity Capital $33.50 million Loan Loss Allowance $3.37 million Unbacked Noncurrent Loans $1.48 million Real Estate Owned $3.46 million Historic Data - March 2011 Assets $311.29 million Equity Capital $30.38 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $124,000 Real Estate Owned $982,000 Profit Margin - Quarterly Net Interest Margin 5.57% Return on Assets 0.72% Return on Equity 8.28% Interest Income $5.61 million

Institution Health Overall Score: 4 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 Icon Bank of Texas, National Association had $4.94 million in non-current loans and owned real-estate with $36.87 million in equity and loan loss allowances on hand to cover it. This gives Icon Bank of Texas, National Association a Texas Ratio of 13.40% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Icon Bank of Texas, National Association increased slightly from 3.34% as of March 31, 2011 to 13.40% as of March 31, 2012, resulting in a negative change of 301.24%. This indicates that the balance sheet and financial strength for Icon Bank of Texas, National Association has declined slightly in recent periods. Deposit Growth In the past year, Icon Bank of Texas, National Association has increased its total deposits by $79.69 million, resulting in 29.46% 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 Icon Bank of Texas, 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. Icon Bank of Texas, National Association has $392.18 million in assets with $36.87 million in equity, resulting in a capitalization level of 9.40%, which is average.

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