Stockmens National Bank in Cotulla

Stockmens National Bank in Cotulla is headquartered in Cotulla and is the 426^th largest bank in the state of Texas. It is also the 5,255^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 16 employees at 1 location. Stockmens National Bank in Cotulla has a 5-star health rating.

Data for Q1 2012

Institution Statistics Stockmens National Bank in Cotulla FDIC Certificate # 14864 BankRate Report View Year Established 1904 Employees 16 Primary Regulator OCC Assets and Liabilities Assets $88.80 million Loans $17.81 million Deposits $82.08 million Equity Capital $6.64 million Loan Loss Allowance $188,000 Historic Data - March 2011 Assets $67.48 million Equity Capital $5.71 million Loan Loss Allowance $198,000 Profit Margin - Quarterly Net Interest Margin 1.99% Return on Assets 0.97% Return on Equity 13.26% Interest Income $444,000

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 Stockmens National Bank in Cotulla had $0 in non-current loans and owned real-estate with $6.83 million in equity and loan loss allowances on hand to cover it. This gives Stockmens National Bank in Cotulla a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Stockmens National Bank in Cotulla has increased its total deposits by $20.41 million, resulting in 33.1% 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 Stockmens National Bank in Cotulla 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. Stockmens National Bank in Cotulla has $88.8 million in assets with $6.83 million in equity, resulting in a capitalization level of 7.69%, which is below average.

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