Meadows Bank

Meadows Bank is headquartered in Las Vegas and is the 12^st largest bank in the state of Nevada. It is also the 2,669^th largest bank in the nation. It was established in 2008 and as of March of 2012, it had grown to 66 employees at 2 locations. Meadows Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

Meadows Bank Routing Number: 122402382

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Data for Q1 2012

Institution Statistics Meadows Bank FDIC Certificate # 58722 BankRate Report View Year Established 2008 Employees 66 Primary Regulator FDIC Assets and Liabilities Assets $240.96 million Loans $184.00 million Deposits $190.61 million Equity Capital $48.79 million Loan Loss Allowance $4.06 million Unbacked Noncurrent Loans $4.59 million Real Estate Owned $171,000 Historic Data - March 2011 Assets $206.15 million Equity Capital $37.18 million Loan Loss Allowance $3.93 million Unbacked Noncurrent Loans $2.91 million Profit Margin - Quarterly Net Interest Margin 5.01% Return on Assets 1.05% Return on Equity 5.17% Interest Income $3.13 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 Meadows Bank had $4.76 million in non-current loans and owned real-estate with $52.84 million in equity and loan loss allowances on hand to cover it. This gives Meadows Bank a Texas Ratio of 9.02% 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 Meadows Bank held steady from 7.08% as of March 31, 2011 to 9.02% as of March 31, 2012, resulting in a negative change of 27.29%. This indicates that the balance sheet and financial strength for Meadows Bank has held steady in recent periods. Deposit Growth In the past year, Meadows Bank has increased its total deposits by $22.66 million, resulting in 13.49% 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 Meadows 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. Meadows Bank has $240.96 million in assets with $52.84 million in equity, resulting in a capitalization level of 21.93%, which is excellent.

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