Priority Bank

Priority Bank is headquartered in Ozark and is the 97^th largest bank in the state of Arkansas. It is also the 5,206^th largest bank in the nation. It was established in 1993 and as of March of 2012, it had grown to 24 employees at 2 locations. Priority Bank has a 4-star health rating.

Priority Bank Routing Number: 082901790

Data for Q1 2012

Institution Statistics Priority Bank OTS # 11025 FDIC Certificate # 33818 BankRate Report View Year Established 1993 Employees 24 Primary Regulator OCC Assets and Liabilities Assets $90.49 million Loans $77.55 million Deposits $54.82 million Equity Capital $7.62 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $730,000 Real Estate Owned $837,000 Historic Data - March 2011 Assets $82.24 million Equity Capital $7.23 million Loan Loss Allowance $865,000 Unbacked Noncurrent Loans $587,000 Real Estate Owned $536,000 Profit Margin - Quarterly Net Interest Margin 4.76% Return on Assets 1.74% Return on Equity 20.86% Interest Income $1.47 million

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 Priority Bank had $1.57 million in non-current loans and owned real-estate with $9 million in equity and loan loss allowances on hand to cover it. This gives Priority Bank a Texas Ratio of 17.41% 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 Priority Bank held steady from 13.87% as of March 31, 2011 to 17.41% as of March 31, 2012, resulting in a negative change of 25.55%. This indicates that the balance sheet and financial strength for Priority Bank has held steady in recent periods. Deposit Growth In the past year, Priority Bank has increased its total deposits by $7.01 million, resulting in 14.66% 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 Priority 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. Priority Bank has $90.49 million in assets with $9 million in equity, resulting in a capitalization level of 9.94%, which is average.

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