Texas Bank and Trust Company

Texas Bank and Trust Company is headquartered in Longview and is the 30^th largest bank in the state of Texas. It is also the 449^th largest bank in the nation. It was established in 1958 and as of March of 2012, it had grown to 355 employees at 13 locations. Texas Bank and Trust Company has a 5-star health rating.

Texas Bank and Trust Company Routing Number: 111925210

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Data for Q1 2012

Institution Statistics Texas Bank and Trust Company FDIC Certificate # 17842 BankRate Report View Year Established 1958 Employees 355 Primary Regulator FDIC Assets and Liabilities Assets $1.48 billion Loans $1.08 billion Deposits $1.30 billion Equity Capital $136.59 million Loan Loss Allowance $20.60 million Unbacked Noncurrent Loans $7.63 million Real Estate Owned $343,000 Historic Data - March 2011 Assets $1.32 billion Equity Capital $116.53 million Loan Loss Allowance $17.50 million Unbacked Noncurrent Loans $9.00 million Real Estate Owned $158,000 Profit Margin - Quarterly Net Interest Margin 3.76% Return on Assets 1.18% Return on Equity 12.72% Interest Income $14.62 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 Texas Bank and Trust Company had $7.97 million in non-current loans and owned real-estate with $157.18 million in equity and loan loss allowances on hand to cover it. This gives Texas Bank and Trust Company a Texas Ratio of 5.07% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Texas Bank and Trust Company decreased slightly from 6.83% as of March 31, 2011 to 5.07% as of March 31, 2012, resulting in a positive change of 25.77%.This indicates that the balance sheet and financial strength for Texas Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Texas Bank and Trust Company has increased its total deposits by $161.28 million, resulting in 14.14% 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 Texas Bank and Trust Company 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. Texas Bank and Trust Company has $1.48 billion in assets with $157.18 million in equity, resulting in a capitalization level of 10.60%, which is above average.

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