Texas Savings Bank

Texas Savings Bank is headquartered in Snyder and is the 395^th largest bank in the state of Texas. It is also the 4,882^nd largest bank in the nation. It was established in 1956 and as of March of 2012, it had grown to 28 employees at 1 location. Texas Savings Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics Texas Savings Bank FDIC Certificate # 30951 BankRate Report View Year Established 1956 Employees 28 Primary Regulator FDIC Assets and Liabilities Assets $102.70 million Loans $73.77 million Deposits $96.06 million Equity Capital $6.35 million Loan Loss Allowance $4.95 million Unbacked Noncurrent Loans $6.53 million Real Estate Owned $84,000 Historic Data - March 2011 Assets $122.58 million Equity Capital $8.08 million Loan Loss Allowance $5.90 million Unbacked Noncurrent Loans $9.16 million Real Estate Owned $1.41 million Profit Margin - Quarterly Net Interest Margin 3.47% Return on Assets 1.26% Return on Equity 22.39% Interest Income $1.20 million

Institution Health Overall Score: 3 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 Savings Bank had $6.61 million in non-current loans and owned real-estate with $11.3 million in equity and loan loss allowances on hand to cover it. This gives Texas Savings Bank a Texas Ratio of 58.54% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Texas Savings Bank decreased slightly from 75.58% as of March 31, 2011 to 58.54% as of March 31, 2012, resulting in a positive change of 22.55%.This indicates that the balance sheet and financial strength for Texas Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, Texas Savings Bank has decreased its total deposits by -$16.32 million, resulting in -14.52% 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 Savings Bank has shown is poor. 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 Savings Bank has $102.7 million in assets with $11.3 million in equity, resulting in a capitalization level of 11.00%, which is above average.

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