Sundown State Bank

Sundown State Bank is headquartered in Sundown and is the 325^th largest bank in the state of Texas. It is also the 4,108^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 34 employees at 5 locations. Sundown State Bank has a 4-star health rating.

Sundown State Bank Routing Number: 111301436

Data for Q1 2012

Institution Statistics Sundown State Bank FDIC Certificate # 18780 BankRate Report View Year Established 1963 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $136.50 million Loans $65.22 million Deposits $126.17 million Equity Capital $10.18 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $1.32 million Historic Data - March 2011 Assets $108.74 million Equity Capital $9.34 million Loan Loss Allowance $539,000 Unbacked Noncurrent Loans $1.07 million Profit Margin - Quarterly Net Interest Margin 3.48% Return on Assets 1.31% Return on Equity 17.76% Interest Income $1.20 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 Sundown State Bank had $1.32 million in non-current loans and owned real-estate with $10.88 million in equity and loan loss allowances on hand to cover it. This gives Sundown State Bank a Texas Ratio of 12.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Sundown State Bank held steady from 11.70% as of March 31, 2011 to 12.16% as of March 31, 2012, resulting in a negative change of 3.89%. This indicates that the balance sheet and financial strength for Sundown State Bank has held steady in recent periods. Deposit Growth In the past year, Sundown State Bank has increased its total deposits by $26.92 million, resulting in 27.13% 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 Sundown State 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. Sundown State Bank has $136.5 million in assets with $10.88 million in equity, resulting in a capitalization level of 7.97%, which is below average.

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