LegacyTexas Bank

LegacyTexas Bank is headquartered in Plano and is the 27^th largest bank in the state of Texas. It is also the 420^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 313 employees at 19 locations. LegacyTexas Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics LegacyTexas Bank FDIC Certificate # 18843 BankRate Report View Year Established 1963 Employees 313 Primary Regulator FED Assets and Liabilities Assets $1.60 billion Loans $1.05 billion Deposits $1.37 billion Equity Capital $164.59 million Loan Loss Allowance $21.63 million Unbacked Noncurrent Loans $28.19 million Real Estate Owned $10.23 million Historic Data - March 2011 Assets $1.54 billion Equity Capital $146.70 million Loan Loss Allowance $26.58 million Unbacked Noncurrent Loans $43.50 million Real Estate Owned $15.19 million Profit Margin - Quarterly Net Interest Margin 3.85% Return on Assets 1.57% Return on Equity 15.37% Interest Income $16.22 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 LegacyTexas Bank had $38.42 million in non-current loans and owned real-estate with $186.22 million in equity and loan loss allowances on hand to cover it. This gives LegacyTexas Bank a Texas Ratio of 20.63% 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 LegacyTexas Bank decreased slightly from 33.87% as of March 31, 2011 to 20.63% as of March 31, 2012, resulting in a positive change of 39.09%.This indicates that the balance sheet and financial strength for LegacyTexas Bank has improved slightly in recent periods. Deposit Growth In the past year, LegacyTexas Bank has increased its total deposits by $90.04 million, resulting in 7.02% 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 LegacyTexas Bank 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. LegacyTexas Bank has $1.6 billion in assets with $186.22 million in equity, resulting in a capitalization level of 11.62%, which is above average.

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