SpiritBank

SpiritBank is headquartered in Tulsa and is the 11^st largest bank in the state of Oklahoma. It is also the 669^th largest bank in the nation. It was established in 1916 and as of December of 2012, it had grown to 471 employees at 14 locations. SpiritBank has a 2-star health rating.

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Data for Q4 2012

Institution Statistics SpiritBank OTS # 11433 FDIC Certificate # 4048 BankRate Report View Year Established 1916 Employees 471 Primary Regulator FDIC Assets and Liabilities Assets $985.56 million Loans $793.33 million Deposits $815.11 million Equity Capital $84.60 million Loan Loss Allowance $30.15 million Unbacked Noncurrent Loans $51.44 million Real Estate Owned $21.56 million Historic Data - December 2011 Assets $1.25 billion Equity Capital $110.55 million Loan Loss Allowance $26.15 million Unbacked Noncurrent Loans $49.29 million Real Estate Owned $30.38 million Profit Margin - Quarterly Net Interest Margin 4.66% Return on Assets -2.31% Return on Equity -26.04% Interest Income $52.60 million

Institution Health Overall Score: 2 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 December 31, 2012 SpiritBank had $73 million in non-current loans and owned real-estate with $114.75 million in equity and loan loss allowances on hand to cover it. This gives SpiritBank a Texas Ratio of 63.62% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for SpiritBank held steady from 58.63% as of December 31, 2011 to 63.62% as of December 31, 2012, resulting in a negative change of 8.51%. This indicates that the balance sheet and financial strength for SpiritBank has held steady in recent periods. Deposit Growth In the past year, SpiritBank has decreased its total deposits by -$200.38 million, resulting in -19.73% 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 SpiritBank has shown is poor. 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. SpiritBank has $985.56 million in assets with $114.75 million in equity, resulting in a capitalization level of 11.64%, which is above average.