Texas National Bank of Jacksonville

Texas National Bank of Jacksonville is headquartered in Jacksonville and is the 163^rd largest bank in the state of Texas. It is also the 2,097^th largest bank in the nation. It was established in 1985 and as of March of 2012, it had grown to 52 employees at 5 locations. Texas National Bank of Jacksonville has a 5-star health rating.

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Data for Q1 2012

Institution Statistics Texas National Bank of Jacksonville FDIC Certificate # 26181 BankRate Report View Year Established 1985 Employees 52 Primary Regulator OCC Assets and Liabilities Assets $310.91 million Loans $274.17 million Deposits $264.95 million Equity Capital $28.97 million Loan Loss Allowance $3.75 million Unbacked Noncurrent Loans $1.42 million Real Estate Owned $132,000 Historic Data - March 2011 Assets $291.12 million Equity Capital $24.17 million Loan Loss Allowance $3.00 million Unbacked Noncurrent Loans $436,000 Real Estate Owned $477,000 Profit Margin - Quarterly Net Interest Margin 4.83% Return on Assets 1.69% Return on Equity 18.52% Interest Income $4.45 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 National Bank of Jacksonville had $1.55 million in non-current loans and owned real-estate with $32.71 million in equity and loan loss allowances on hand to cover it. This gives Texas National Bank of Jacksonville a Texas Ratio of 4.73% 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 National Bank of Jacksonville held steady from 3.36% as of March 31, 2011 to 4.73% as of March 31, 2012, resulting in a negative change of 40.90%. This indicates that the balance sheet and financial strength for Texas National Bank of Jacksonville has held steady in recent periods. Deposit Growth In the past year, Texas National Bank of Jacksonville has increased its total deposits by $16.25 million, resulting in 6.53% 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 National Bank of Jacksonville 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 National Bank of Jacksonville has $310.91 million in assets with $32.71 million in equity, resulting in a capitalization level of 10.52%, which is above average.

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