Texas Bank (TX)

Texas Bank (TX) is headquartered in Henderson and is the 174^th largest bank in the state of Texas. It is also the 2,296^th largest bank in the nation. It was established in 1973 and as of September of 2011, it had grown to 112 employees at 6 locations. Texas Bank (TX)'s money market rates are 36% higher than the national average, and it boasts a 5-star health rating.

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Data for Q3 2011

Institution Statistics Texas Bank FDIC Certificate # 21074 BankRate Report View Year Established 1973 Employees 112 Primary Regulator FDIC Assets and Liabilities Assets $280.01 million Loans $122.77 million Deposits $248.93 million Equity Capital $20.60 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $357,000 Real Estate Owned $802,000 Historic Data - September 2010 Assets $248.83 million Equity Capital $17.65 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $180,000 Real Estate Owned $1.05 million Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 1.37% Return on Equity 20.75% Interest Income $10.04 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 September 30, 2011 Texas Bank (TX) had $1.16 million in non-current loans and owned real-estate with $22.07 million in equity and loan loss allowances on hand to cover it. This gives Texas Bank (TX) a Texas Ratio of 5.25% 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 (TX) decreased slightly from 6.44% as of September 30, 2010 to 5.25% as of September 30, 2011, resulting in a positive change of 18.49%.This indicates that the balance sheet and financial strength for Texas Bank (TX) has improved slightly in recent periods. Deposit Growth In the past year, Texas Bank (TX) has increased its total deposits by $26.35 million, resulting in 11.84% 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 (TX) 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 (TX) has $280.01 million in assets with $22.07 million in equity, resulting in a capitalization level of 7.88%, which is below average.

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