Quail Creek Bank, National Association

Quail Creek Bank, National Association is headquartered in Oklahoma City and is the 23^rd largest bank in the state of Oklahoma. It is also the 1,424^th largest bank in the nation. It was established in 1974 and as of March of 2012, it had grown to 74 employees at 2 locations. Quail Creek Bank, National Association's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

Quail Creek Bank, National Association Checking Account Rates

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Data for Q1 2012

Institution Statistics Quail Creek Bank, National Association FDIC Certificate # 21848 BankRate Report View Year Established 1974 Employees 74 Primary Regulator OCC Assets and Liabilities Assets $472.83 million Loans $370.92 million Deposits $422.38 million Equity Capital $46.55 million Loan Loss Allowance $5.59 million Unbacked Noncurrent Loans $3.64 million Real Estate Owned $26,000 Historic Data - March 2011 Assets $446.08 million Equity Capital $42.46 million Loan Loss Allowance $4.46 million Unbacked Noncurrent Loans $984,000 Real Estate Owned $61,000 Profit Margin - Quarterly Net Interest Margin 4.68% Return on Assets 2.4% Return on Equity 24.41% Interest Income $6.04 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 Quail Creek Bank, National Association had $3.67 million in non-current loans and owned real-estate with $52.14 million in equity and loan loss allowances on hand to cover it. This gives Quail Creek Bank, National Association a Texas Ratio of 7.03% 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 Quail Creek Bank, National Association held steady from 2.23% as of March 31, 2011 to 7.03% as of March 31, 2012, resulting in a negative change of 215.69%. This indicates that the balance sheet and financial strength for Quail Creek Bank, National Association has held steady in recent periods. Deposit Growth In the past year, Quail Creek Bank, National Association has increased its total deposits by $30.72 million, resulting in 7.84% 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 Quail Creek Bank, National Association 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. Quail Creek Bank, National Association has $472.83 million in assets with $52.14 million in equity, resulting in a capitalization level of 11.03%, which is above average.

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