National Bank & Trust

National Bank & Trust is headquartered in La Grange and is the 235^th largest bank in the state of Texas. It is also the 2,960^th largest bank in the nation. It was established in 1888 and as of March of 2012, it had grown to 28 employees at 1 location. National Bank & Trust has a 5-star health rating.

National Bank & Trust Routing Number: 113104534

Data for Q1 2012

Institution Statistics National Bank & Trust FDIC Certificate # 3289 BankRate Report View Year Established 1888 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $214.87 million Loans $42.46 million Deposits $194.19 million Equity Capital $20.22 million Loan Loss Allowance $645,000 Unbacked Noncurrent Loans $189,000 Historic Data - March 2011 Assets $193.69 million Equity Capital $16.02 million Loan Loss Allowance $662,000 Unbacked Noncurrent Loans $349,000 Real Estate Owned $41,000 Profit Margin - Quarterly Net Interest Margin 2.57% Return on Assets 1.23% Return on Equity 12.82% Interest Income $1.72 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 National Bank & Trust had $189,000 in non-current loans and owned real-estate with $20.87 million in equity and loan loss allowances on hand to cover it. This gives National Bank & Trust a Texas Ratio of 0.91% 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 National Bank & Trust decreased significantly from 2.34% as of March 31, 2011 to 0.91% as of March 31, 2012, resulting in a positive change of 61.26%.This indicates that the balance sheet and financial strength for National Bank & Trust has improved significantly in recent periods. Deposit Growth In the past year, National Bank & Trust has increased its total deposits by $17.03 million, resulting in 9.62% 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 National Bank & Trust 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. National Bank & Trust has $214.87 million in assets with $20.87 million in equity, resulting in a capitalization level of 9.71%, which is average.

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