Oasis Bank, SSB

Oasis Bank, SSB is headquartered in Houston and is the 436^th largest bank in the state of Texas. It is also the 5,388^th largest bank in the nation. It was established in 2007 and as of March of 2012, it had grown to 14 employees at 1 location. Oasis Bank, SSB has a 5-star health rating.

Oasis Bank, SSB Routing Number: 113094084

Data for Q1 2012

Institution Statistics Oasis Bank, SSB FDIC Certificate # 58342 BankRate Report View Year Established 2007 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $83.49 million Loans $56.22 million Deposits $72.20 million Equity Capital $9.79 million Loan Loss Allowance $602,000 Unbacked Noncurrent Loans $69,000 Historic Data - March 2011 Assets $82.08 million Equity Capital $8.84 million Loan Loss Allowance $531,000 Unbacked Noncurrent Loans $16,000 Real Estate Owned $788,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.25% Return on Equity 10.69% Interest Income $977,000

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 Oasis Bank, SSB had $69,000 in non-current loans and owned real-estate with $10.39 million in equity and loan loss allowances on hand to cover it. This gives Oasis Bank, SSB a Texas Ratio of 0.66% 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 Oasis Bank, SSB decreased significantly from 8.58% as of March 31, 2011 to 0.66% as of March 31, 2012, resulting in a positive change of 92.26%.This indicates that the balance sheet and financial strength for Oasis Bank, SSB has improved significantly in recent periods. Deposit Growth In the past year, Oasis Bank, SSB has increased its total deposits by $1.44 million, resulting in 2.04% 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 Oasis Bank, SSB 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. Oasis Bank, SSB has $83.49 million in assets with $10.39 million in equity, resulting in a capitalization level of 12.45%, which is excellent.

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