Post Oak Bank, N. A.

Post Oak Bank, N. A. is headquartered in Houston and is the 85^th largest bank in the state of Texas. It is also the 1,164^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 96 employees at 6 locations. Post Oak Bank, N. A. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Post Oak Bank, N. A. FDIC Certificate # 57729 BankRate Report View Year Established 2004 Employees 96 Primary Regulator OCC Assets and Liabilities Assets $580.49 million Loans $414.94 million Deposits $520.05 million Equity Capital $59.08 million Loan Loss Allowance $6.11 million Unbacked Noncurrent Loans $1.23 million Real Estate Owned $282,000 Historic Data - March 2011 Assets $500.23 million Equity Capital $54.58 million Loan Loss Allowance $5.28 million Unbacked Noncurrent Loans $3.83 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 0.88% Return on Equity 8.6% Interest Income $6.49 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 Post Oak Bank, N. A. had $1.51 million in non-current loans and owned real-estate with $65.19 million in equity and loan loss allowances on hand to cover it. This gives Post Oak Bank, N. A. a Texas Ratio of 2.32% 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 Post Oak Bank, N. A. decreased significantly from 6.40% as of March 31, 2011 to 2.32% as of March 31, 2012, resulting in a positive change of 63.74%.This indicates that the balance sheet and financial strength for Post Oak Bank, N. A. has improved significantly in recent periods. Deposit Growth In the past year, Post Oak Bank, N. A. has increased its total deposits by $75.71 million, resulting in 17.04% 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 Post Oak Bank, N. A. 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. Post Oak Bank, N. A. has $580.49 million in assets with $65.19 million in equity, resulting in a capitalization level of 11.23%, which is above average.

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