Pavillion Bank

Pavillion Bank is headquartered in Richardson and is the 438^th largest bank in the state of Texas. It is also the 5,407^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 18 employees at 1 location. Pavillion Bank has a 3-star health rating.

Pavillion Bank Routing Number: 111011878

Data for Q1 2012

Institution Statistics Pavillion Bank FDIC Certificate # 24303 BankRate Report View Year Established 1983 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $82.76 million Loans $47.64 million Deposits $71.72 million Equity Capital $9.72 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $3.44 million Real Estate Owned $2.20 million Historic Data - March 2011 Assets $84.47 million Equity Capital $9.58 million Loan Loss Allowance $984,000 Unbacked Noncurrent Loans $1.26 million Real Estate Owned $3.05 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.75% Return on Equity 6.61% Interest Income $764,000

Institution Health Overall Score: 3 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 Pavillion Bank had $5.64 million in non-current loans and owned real-estate with $10.76 million in equity and loan loss allowances on hand to cover it. This gives Pavillion Bank a Texas Ratio of 52.48% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pavillion Bank increased slightly from 40.77% as of March 31, 2011 to 52.48% as of March 31, 2012, resulting in a negative change of 28.70%. This indicates that the balance sheet and financial strength for Pavillion Bank has declined slightly in recent periods. Deposit Growth In the past year, Pavillion Bank has increased its total deposits by $5.15 million, resulting in 7.73% 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 Pavillion 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. Pavillion Bank has $82.76 million in assets with $10.76 million in equity, resulting in a capitalization level of 13.00%, which is excellent.

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