The Bank of the West

The Bank of the West is headquartered in Thomas and is the 108^th largest bank in the state of Oklahoma. It is also the 4,152^nd largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 26 employees at 4 locations. The Bank of the West has a 4-star health rating.

The Bank of the West Routing Number: 103112073

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Data for Q1 2012

Institution Statistics The Bank of the West FDIC Certificate # 25703 BankRate Report View Year Established 1984 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $134.46 million Loans $112.28 million Deposits $119.57 million Equity Capital $14.46 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $238,000 Real Estate Owned $615,000 Historic Data - March 2011 Assets $143.67 million Equity Capital $14.02 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $250,000 Profit Margin - Quarterly Net Interest Margin 4.87% Return on Assets 2.06% Return on Equity 19.15% Interest Income $1.70 million

Institution Health Overall Score: 4 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 the West had $853,000 in non-current loans and owned real-estate with $15.81 million in equity and loan loss allowances on hand to cover it. This gives The Bank of the West a Texas Ratio of 5.39% 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 the West held steady from 1.61% as of March 31, 2011 to 5.39% as of March 31, 2012, resulting in a negative change of 235.31%. This indicates that the balance sheet and financial strength for The Bank of the West has held steady in recent periods. Deposit Growth In the past year, The Bank of the West has decreased its total deposits by -$9.64 million, resulting in -7.46% 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 the West 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. The Bank of the West has $134.46 million in assets with $15.81 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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