The Bank (TX)

The Bank (TX) is headquartered in Weatherford and is the 469^th largest bank in the state of Texas. It is also the 5,854^th largest bank in the nation. It was established in 1987 and as of March of 2012, it had grown to 31 employees at 2 locations. The Bank (TX) has a 3-star health rating.

The Bank (TX) Checking Account Rates

The Bank (TX) Money Market Rates

The Bank (TX) CD Rates

Data for Q1 2012

Institution Statistics The Bank FDIC Certificate # 26967 BankRate Report View Year Established 1987 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $67.15 million Loans $46.49 million Deposits $59.92 million Equity Capital $7.19 million Loan Loss Allowance $704,000 Unbacked Noncurrent Loans $380,000 Real Estate Owned $1.00 million Historic Data - March 2011 Assets $69.29 million Equity Capital $6.00 million Loan Loss Allowance $595,000 Unbacked Noncurrent Loans $1.18 million Real Estate Owned $200,000 Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets 1.03% Return on Equity 9.8% Interest Income $868,000

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 The Bank (TX) had $1.38 million in non-current loans and owned real-estate with $7.9 million in equity and loan loss allowances on hand to cover it. This gives The Bank (TX) a Texas Ratio of 17.50% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Bank (TX) decreased slightly from 20.85% as of March 31, 2011 to 17.50% as of March 31, 2012, resulting in a positive change of 16.07%.This indicates that the balance sheet and financial strength for The Bank (TX) has improved slightly in recent periods. Deposit Growth In the past year, The Bank (TX) has decreased its total deposits by -$3.32 million, resulting in -5.25% 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 (TX) 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 (TX) has $67.15 million in assets with $7.9 million in equity, resulting in a capitalization level of 11.76%, which is above average.

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