Panola National Bank

Panola National Bank is headquartered in Carthage and is the 330^th largest bank in the state of Texas. It is also the 4,212^st largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 32 employees at 2 locations. Panola National Bank has a 5-star health rating.

Panola National Bank Routing Number: 111913170

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Data for Q1 2012

Institution Statistics Panola National Bank FDIC Certificate # 24763 BankRate Report View Year Established 1983 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $131.76 million Loans $57.65 million Deposits $119.23 million Equity Capital $12.15 million Loan Loss Allowance $568,000 Unbacked Noncurrent Loans $320,000 Historic Data - March 2011 Assets $124.07 million Equity Capital $10.89 million Loan Loss Allowance $534,000 Unbacked Noncurrent Loans $231,000 Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 1.23% Return on Equity 13.15% Interest Income $1.21 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 Panola National Bank had $320,000 in non-current loans and owned real-estate with $12.72 million in equity and loan loss allowances on hand to cover it. This gives Panola National Bank a Texas Ratio of 2.52% 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 Panola National Bank held steady from 2.02% as of March 31, 2011 to 2.52% as of March 31, 2012, resulting in a negative change of 24.42%. This indicates that the balance sheet and financial strength for Panola National Bank has held steady in recent periods. Deposit Growth In the past year, Panola National Bank has increased its total deposits by $6.63 million, resulting in 5.89% 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 Panola 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. Panola National Bank has $131.76 million in assets with $12.72 million in equity, resulting in a capitalization level of 9.65%, which is average.

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