Texas Leadership Bank

Texas Leadership Bank is headquartered in Royse City and is the 478^th largest bank in the state of Texas. It is also the 6,008^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 13 employees at 2 locations. Texas Leadership Bank has a 5-star health rating.

Texas Leadership Bank Routing Number: 111925304

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Data for Q1 2012

Institution Statistics Texas Leadership Bank FDIC Certificate # 58312 BankRate Report View Year Established 2006 Employees 13 Primary Regulator FDIC Assets and Liabilities Assets $62.13 million Loans $36.26 million Deposits $53.78 million Equity Capital $8.03 million Loan Loss Allowance $373,000 Real Estate Owned $99,000 Historic Data - March 2011 Assets $52.56 million Equity Capital $7.83 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $2.40 million Real Estate Owned $130,000 Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.51% Return on Equity 3.81% Interest Income $616,000

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 Texas Leadership Bank had $99,000 in non-current loans and owned real-estate with $8.4 million in equity and loan loss allowances on hand to cover it. This gives Texas Leadership Bank a Texas Ratio of 1.18% 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 Leadership Bank decreased significantly from 26.65% as of March 31, 2011 to 1.18% as of March 31, 2012, resulting in a positive change of 95.58%.This indicates that the balance sheet and financial strength for Texas Leadership Bank has improved significantly in recent periods. Deposit Growth In the past year, Texas Leadership Bank has increased its total deposits by $9.23 million, resulting in 20.71% 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 Leadership 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. Texas Leadership Bank has $62.13 million in assets with $8.4 million in equity, resulting in a capitalization level of 13.52%, which is excellent.

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