ONB Bank and Trust Company

ONB Bank and Trust Company is headquartered in Tulsa and is the 15^st largest bank in the state of Oklahoma. It is also the 1,099^th largest bank in the nation. It was established in 2000 and as of March of 2012, it had grown to 109 employees at 10 locations. ONB Bank and Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics ONB Bank and Trust Company FDIC Certificate # 35348 BankRate Report View Year Established 2000 Employees 109 Primary Regulator FDIC Assets and Liabilities Assets $609.54 million Loans $460.86 million Deposits $481.70 million Equity Capital $124.38 million Loan Loss Allowance $10.88 million Unbacked Noncurrent Loans $17.30 million Real Estate Owned $10.48 million Historic Data - March 2011 Assets $605.63 million Equity Capital $121.75 million Loan Loss Allowance $11.67 million Unbacked Noncurrent Loans $25.00 million Real Estate Owned $8.40 million Profit Margin - Quarterly Net Interest Margin 4.16% Return on Assets 0.59% Return on Equity 2.91% Interest Income $6.37 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 ONB Bank and Trust Company had $27.78 million in non-current loans and owned real-estate with $135.25 million in equity and loan loss allowances on hand to cover it. This gives ONB Bank and Trust Company a Texas Ratio of 20.54% 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 ONB Bank and Trust Company decreased slightly from 25.53% as of March 31, 2011 to 20.54% as of March 31, 2012, resulting in a positive change of 19.55%.This indicates that the balance sheet and financial strength for ONB Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, ONB Bank and Trust Company has increased its total deposits by $1.86 million, resulting in 0.39% 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 ONB Bank and Trust Company has shown is 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. ONB Bank and Trust Company has $609.54 million in assets with $135.25 million in equity, resulting in a capitalization level of 22.19%, which is excellent.

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