Preston National Bank

Preston National Bank is headquartered in Dallas and is the 481^st largest bank in the state of Texas. It is also the 6,067^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 18 employees at 3 locations. Preston National Bank has a 4-star health rating.

Preston National Bank Routing Number: 111015544

Data for Q1 2012

Institution Statistics Preston National Bank FDIC Certificate # 26222 BankRate Report View Year Established 1985 Employees 18 Primary Regulator OCC Assets and Liabilities Assets $59.98 million Loans $51.56 million Deposits $46.48 million Equity Capital $8.37 million Loan Loss Allowance $771,000 Unbacked Noncurrent Loans $320,000 Real Estate Owned $1.43 million Historic Data - March 2011 Assets $55.69 million Equity Capital $7.96 million Loan Loss Allowance $827,000 Unbacked Noncurrent Loans $172,000 Real Estate Owned $1.53 million Profit Margin - Quarterly Net Interest Margin 5.95% Return on Assets 1.79% Return on Equity 12.85% Interest Income $883,000

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 Preston National Bank had $1.75 million in non-current loans and owned real-estate with $9.14 million in equity and loan loss allowances on hand to cover it. This gives Preston National Bank a Texas Ratio of 19.15% 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 Preston National Bank held steady from 19.41% as of March 31, 2011 to 19.15% as of March 31, 2012, resulting in a positive change of 1.35%.This indicates that the balance sheet and financial strength for Preston National Bank has held steady in recent periods. Deposit Growth In the past year, Preston National Bank has increased its total deposits by $2.9 million, resulting in 6.65% 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 Preston 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. Preston National Bank has $59.98 million in assets with $9.14 million in equity, resulting in a capitalization level of 15.24%, which is excellent.

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