State Bank and Trust Company, Dallas

State Bank and Trust Company, Dallas is headquartered in Carrollton and is the 248^th largest bank in the state of Texas. It is also the 3,079^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 33 employees at 3 locations. State Bank and Trust Company, Dallas has a 4-star health rating.

State Bank and Trust Company, Dallas Routing Number: 111925362

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Data for Q1 2012

Institution Statistics State Bank and Trust Company, Dallas FDIC Certificate # 26283 BankRate Report View Year Established 1985 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $203.16 million Loans $162.52 million Deposits $165.50 million Equity Capital $25.66 million Loan Loss Allowance $2.92 million Unbacked Noncurrent Loans $430,000 Real Estate Owned $5.03 million Historic Data - March 2011 Assets $192.99 million Equity Capital $25.77 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $777,000 Real Estate Owned $6.20 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 1.39% Return on Equity 10.79% Interest Income $2.32 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 State Bank and Trust Company, Dallas had $5.46 million in non-current loans and owned real-estate with $28.58 million in equity and loan loss allowances on hand to cover it. This gives State Bank and Trust Company, Dallas a Texas Ratio of 19.09% 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 State Bank and Trust Company, Dallas decreased slightly from 24.88% as of March 31, 2011 to 19.09% as of March 31, 2012, resulting in a positive change of 23.27%.This indicates that the balance sheet and financial strength for State Bank and Trust Company, Dallas has improved slightly in recent periods. Deposit Growth In the past year, State Bank and Trust Company, Dallas has increased its total deposits by $20.73 million, resulting in 14.32% 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 State Bank and Trust Company, Dallas 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. State Bank and Trust Company, Dallas has $203.16 million in assets with $28.58 million in equity, resulting in a capitalization level of 14.07%, which is excellent.

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