The Bank of River Oaks

The Bank of River Oaks is headquartered in Houston and is the 185^th largest bank in the state of Texas. It is also the 2,327^th largest bank in the nation. It was established in 2005 and as of March of 2012, it had grown to 41 employees at 3 locations. The Bank of River Oaks has a 5-star health rating.

The Bank of River Oaks Routing Number: 113025231

Data for Q1 2012

Institution Statistics The Bank of River Oaks FDIC Certificate # 58142 BankRate Report View Year Established 2005 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $277.68 million Loans $205.02 million Deposits $228.38 million Equity Capital $34.52 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $572,000 Historic Data - March 2011 Assets $247.31 million Equity Capital $32.41 million Loan Loss Allowance $1.47 million Unbacked Noncurrent Loans $2.52 million Profit Margin - Quarterly Net Interest Margin 4.72% Return on Assets 1.12% Return on Equity 8.81% Interest Income $3.27 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 The Bank of River Oaks had $572,000 in non-current loans and owned real-estate with $36.04 million in equity and loan loss allowances on hand to cover it. This gives The Bank of River Oaks a Texas Ratio of 1.59% 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 The Bank of River Oaks decreased significantly from 7.43% as of March 31, 2011 to 1.59% as of March 31, 2012, resulting in a positive change of 78.65%.This indicates that the balance sheet and financial strength for The Bank of River Oaks has improved significantly in recent periods. Deposit Growth In the past year, The Bank of River Oaks has increased its total deposits by $45.26 million, resulting in 24.71% 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 The Bank of River Oaks 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. The Bank of River Oaks has $277.68 million in assets with $36.04 million in equity, resulting in a capitalization level of 12.98%, which is excellent.

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