T Bank, National Association

T Bank, National Association is headquartered in Dallas and is the 365^th largest bank in the state of Texas. It is also the 4,555^th largest bank in the nation. It was established in 2004 and as of March of 2012, it had grown to 25 employees at 2 locations. T Bank, National Association has a 5-star health rating.

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Data for Q1 2012

Institution Statistics T Bank, National Association FDIC Certificate # 57703 BankRate Report View Year Established 2004 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $115.81 million Loans $82.09 million Deposits $100.26 million Equity Capital $14.08 million Loan Loss Allowance $1.38 million Unbacked Noncurrent Loans $258,000 Real Estate Owned $1.24 million Historic Data - March 2011 Assets $108.24 million Equity Capital $9.11 million Loan Loss Allowance $1.83 million Unbacked Noncurrent Loans $358,000 Real Estate Owned $2.23 million Profit Margin - Quarterly Net Interest Margin 4.32% Return on Assets 1.86% Return on Equity 18.06% Interest Income $1.48 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 T Bank, National Association had $1.5 million in non-current loans and owned real-estate with $15.46 million in equity and loan loss allowances on hand to cover it. This gives T Bank, National Association a Texas Ratio of 9.67% 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 T Bank, National Association decreased significantly from 23.69% as of March 31, 2011 to 9.67% as of March 31, 2012, resulting in a positive change of 59.17%.This indicates that the balance sheet and financial strength for T Bank, National Association has improved significantly in recent periods. Deposit Growth In the past year, T Bank, National Association has increased its total deposits by $7.66 million, resulting in 8.27% 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 T Bank, National Association 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. T Bank, National Association has $115.81 million in assets with $15.46 million in equity, resulting in a capitalization level of 13.35%, which is excellent.

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