Live Oak State Bank

Live Oak State Bank is headquartered in Dallas and is the 359^th largest bank in the state of Texas. It is also the 4,510^st largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 17 employees at 1 location. Live Oak State Bank has a 5-star health rating.

Live Oak State Bank Routing Number: 111024483

Data for Q1 2012

Institution Statistics Live Oak State Bank FDIC Certificate # 57187 BankRate Report View Year Established 2001 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $117.98 million Loans $70.89 million Deposits $98.07 million Equity Capital $13.72 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $87,000 Real Estate Owned $330,000 Historic Data - March 2011 Assets $113.44 million Equity Capital $12.80 million Loan Loss Allowance $1.14 million Real Estate Owned $2.56 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 1.26% Return on Equity 10.84% Interest Income $1.09 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 Live Oak State Bank had $417,000 in non-current loans and owned real-estate with $14.78 million in equity and loan loss allowances on hand to cover it. This gives Live Oak State Bank a Texas Ratio of 2.82% 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 Live Oak State Bank decreased significantly from 18.37% as of March 31, 2011 to 2.82% as of March 31, 2012, resulting in a positive change of 84.64%.This indicates that the balance sheet and financial strength for Live Oak State Bank has improved significantly in recent periods. Deposit Growth In the past year, Live Oak State Bank has increased its total deposits by $1.57 million, resulting in 1.62% 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 Live Oak State Bank has shown is above average. 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. Live Oak State Bank has $117.98 million in assets with $14.78 million in equity, resulting in a capitalization level of 12.53%, which is excellent.

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