Park Cities Bank

5307 E. Mockingbird Lane Suite 200
Dallas, TX 75206
214-370-4500
www.parkcitiesbank.com

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Park Cities Bank is headquartered in Dallas and is the 74^th largest bank in the state of Texas. It is also the 1,035^th largest bank in the nation. It was established in 2000 and as of September of 2011, it had grown to 61 employees at 4 locations. Park Cities Bank's CD rates are 12% higher than the national average, but it has a 1-star health rating.

Park Cities Bank Routing Number: 111024386

2.02% 12-Month CD & 2.53% 24-Month CD at Park Cities Bank in Dallas/Fort Worth - Local Only - 2/21/2010

Park Cities Bank is offering some competitive CD rates. The following are listed in the bank's rates table as of 2/21/2010: 2.02% APY 12-month CD 2.53% APY 24-month CD with a one-time bump-u ...

3.20% 24-Month CD at Park Cities Bank - Dallas Area Only - 3/23/2009

Update 4/25/09: The CD rates have fallen. Please check the bank's website for the latest rates.Park Cities Bank is offering some attractive rates on its CDs. These include a 3.20% APY 2-year CD, a 2.85% APY 1-year CD and a 2.50% APY 6-month CD. These...

4.25% 9-Month CD at Park Cities Bank in Dallas - 11/27/2008

Park Cities Bank is offering some attractive rates on its short-term CDs. The most competitive is the 9-month CD with an APY of 4.25% APY. The other ones include a 4% APY 6-month CD and a 4.10% APY 12-month CD. These rates are listed at the bank's rate...

5.55% 12-Month CD at a Texas Bank (Park Cities) - 2/16/2007

Park Cities Bank is advertising a 5.55% APY 12-month certificate of deposit. The special is not listed at the bank's website. It was advertised in Wednesday's Dallas Morning News. The ad is available online here.The bank has four branches in Dallas and...

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See Rates for: Checking | Savings | Money Market | CD | IRA

Park Cities Bank Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$1,500	-	Prestige Account

Park Cities Bank Savings Account Rates

	Apy	Min	Max	Product
	0.30%	-	-	Savings Account

Park Cities Bank Money Market Rates

	Apy	Min	Max	Product
	0.50%	$100k	-	Money Market

Park Cities Bank CD Rates

Apy	Min	Max	Product
1.55%	-	-	60 Month CD
1.21%	-	-	24 Month - Fixed Rate CD
1.21%	-	-	36 Month - Fixed Rate CD
1.01%	-	-	12 Month CD
0.60%	-	-	9 Month CD
0.45%	-	-	6 Month CD
0.35%	-	-	3 Month CD
0.25%	-	-	1 Month CD

Park Cities Bank IRA Rates

Apy	Min	Max	Product
1.55%	-	-	60 Month IRA
1.21%	-	-	24 Month - Fixed Rate IRA
1.21%	-	-	36 Month - Fixed Rate IRA
1.01%	-	-	12 Month IRA
0.60%	-	-	9 Month IRA
0.45%	-	-	6 Month IRA
0.35%	-	-	3 Month IRA
0.25%	-	-	1 Month IRA

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

Park Cities Bank
FDIC Certificate #	57057
BankRate Report	View
Year Established	2000
Employees	61
Primary Regulator	FDIC
Assets and Liabilities
Assets	$632.01 million
Loans	$406.47 million
Deposits	$589.86 million
Equity Capital	$40.39 million
Loan Loss Allowance	$12.01 million
Unbacked Noncurrent Loans	$87.86 million
Real Estate Owned	$65.22 million
Historic Data - September 2010
Assets	$920.30 million
Equity Capital	$52.01 million
Loan Loss Allowance	$19.55 million
Unbacked Noncurrent Loans	$66.60 million
Real Estate Owned	$38.35 million
Profit Margin - Quarterly
Net Interest Margin	2.21%
Return on Assets	0.04%
Return on Equity	0.69%
Interest Income	$19.36 million

Institution Health

Overall Score:

1 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 September 30, 2011 Park Cities Bank had $153.08 million in non-current loans and owned real-estate with $52.41 million in equity and loan loss allowances on hand to cover it. This gives Park Cities Bank a Texas Ratio of 292.10% which is poor. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Park Cities Bank increased slightly from 146.67% as of September 30, 2010 to 292.10% as of September 30, 2011, resulting in a negative change of 99.16%. This indicates that the balance sheet and financial strength for Park Cities Bank has declined slightly in recent periods.
Deposit Growth
In the past year, Park Cities Bank has decreased its total deposits by -$276.4 million, resulting in -31.91% 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 Park Cities Bank has shown is poor.
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. Park Cities Bank has $632 million in assets with $52.41 million in equity, resulting in a capitalization level of 8.29%, which is average.