Kleberg First National Bank of Kingsville

Kleberg First National Bank of Kingsville is headquartered in Kingsville and is the 114^st largest bank in the state of Texas. It is also the 1,560^th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 186 employees at 11 locations. Kleberg First National Bank of Kingsville has a 5-star health rating.

Data for Q1 2012

Institution Statistics Kleberg First National Bank of Kingsville FDIC Certificate # 3286 BankRate Report View Year Established 1926 Employees 186 Primary Regulator OCC Assets and Liabilities Assets $426.58 million Loans $212.78 million Deposits $351.46 million Equity Capital $56.65 million Loan Loss Allowance $2.97 million Unbacked Noncurrent Loans $1.91 million Real Estate Owned $31,000 Historic Data - March 2011 Assets $384.80 million Equity Capital $52.97 million Loan Loss Allowance $2.83 million Unbacked Noncurrent Loans $3.00 million Real Estate Owned $225,000 Profit Margin - Quarterly Net Interest Margin 4.49% Return on Assets 1.96% Return on Equity 14.94% Interest Income $4.53 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 Kleberg First National Bank of Kingsville had $1.94 million in non-current loans and owned real-estate with $59.63 million in equity and loan loss allowances on hand to cover it. This gives Kleberg First National Bank of Kingsville a Texas Ratio of 3.25% 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 Kleberg First National Bank of Kingsville decreased significantly from 5.77% as of March 31, 2011 to 3.25% as of March 31, 2012, resulting in a positive change of 43.62%.This indicates that the balance sheet and financial strength for Kleberg First National Bank of Kingsville has improved significantly in recent periods. Deposit Growth In the past year, Kleberg First National Bank of Kingsville has increased its total deposits by $33.52 million, resulting in 10.54% 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 Kleberg First National Bank of Kingsville 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. Kleberg First National Bank of Kingsville has $426.58 million in assets with $59.63 million in equity, resulting in a capitalization level of 13.98%, which is excellent.

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