Sanger Bank

Sanger Bank is headquartered in Sanger and is the 383^rd largest bank in the state of Texas. It is also the 4,744^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 27 employees at 2 locations. Sanger Bank has a 5-star health rating.

Sanger Bank Routing Number: 111917309

Data for Q1 2012

Institution Statistics Sanger Bank FDIC Certificate # 27043 BankRate Report View Year Established 1987 Employees 27 Primary Regulator FED Assets and Liabilities Assets $108.82 million Loans $63.88 million Deposits $95.87 million Equity Capital $12.61 million Loan Loss Allowance $689,000 Unbacked Noncurrent Loans $29,000 Real Estate Owned $354,000 Historic Data - March 2011 Assets $98.51 million Equity Capital $11.43 million Loan Loss Allowance $746,000 Unbacked Noncurrent Loans $427,000 Real Estate Owned $422,000 Profit Margin - Quarterly Net Interest Margin 4.55% Return on Assets 1.23% Return on Equity 10.61% Interest Income $1.32 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 Sanger Bank had $383,000 in non-current loans and owned real-estate with $13.3 million in equity and loan loss allowances on hand to cover it. This gives Sanger Bank a Texas Ratio of 2.88% 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 Sanger Bank decreased significantly from 6.98% as of March 31, 2011 to 2.88% as of March 31, 2012, resulting in a positive change of 58.73%.This indicates that the balance sheet and financial strength for Sanger Bank has improved significantly in recent periods. Deposit Growth In the past year, Sanger Bank has increased its total deposits by $9.09 million, resulting in 10.48% 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 Sanger 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. Sanger Bank has $108.82 million in assets with $13.3 million in equity, resulting in a capitalization level of 12.22%, which is excellent.

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