Llano National Bank

Llano National Bank is headquartered in Llano and is the 338^th largest bank in the state of Texas. It is also the 4,319^st largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 38 employees at 4 locations. Llano National Bank has a 4-star health rating.

Llano National Bank Routing Number: 114911506

Data for Q1 2012

Institution Statistics Llano National Bank FDIC Certificate # 24305 BankRate Report View Year Established 1983 Employees 38 Primary Regulator OCC Assets and Liabilities Assets $127.09 million Loans $72.24 million Deposits $112.27 million Equity Capital $13.73 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $2.39 million Real Estate Owned $201,000 Historic Data - March 2011 Assets $117.93 million Equity Capital $12.29 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $2.68 million Real Estate Owned $113,000 Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.78% Return on Equity 7.39% Interest Income $1.38 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 Llano National Bank had $2.59 million in non-current loans and owned real-estate with $15.64 million in equity and loan loss allowances on hand to cover it. This gives Llano National Bank a Texas Ratio of 16.58% 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 Llano National Bank decreased slightly from 20.03% as of March 31, 2011 to 16.58% as of March 31, 2012, resulting in a positive change of 17.20%.This indicates that the balance sheet and financial strength for Llano National Bank has improved slightly in recent periods. Deposit Growth In the past year, Llano National Bank has increased its total deposits by $7.42 million, resulting in 7.07% 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 Llano National 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. Llano National Bank has $127.09 million in assets with $15.64 million in equity, resulting in a capitalization level of 12.30%, which is excellent.

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