The Bankers Bank

The Bankers Bank is headquartered in Oklahoma City and is the 86^th largest bank in the state of Oklahoma. It is also the 3,498^th largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 60 employees at 2 locations. The Bankers Bank has a 5-star health rating.

The Bankers Bank Routing Number: 103003616

Data for Q1 2012

Institution Statistics The Bankers Bank FDIC Certificate # 26677 BankRate Report View Year Established 1986 Employees 60 Primary Regulator FED Assets and Liabilities Assets $172.56 million Loans $102.10 million Deposits $140.10 million Equity Capital $26.28 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $1.16 million Real Estate Owned $75,000 Historic Data - March 2011 Assets $179.37 million Equity Capital $25.99 million Loan Loss Allowance $2.37 million Unbacked Noncurrent Loans $15,000 Real Estate Owned $85,000 Profit Margin - Quarterly Net Interest Margin 3.46% Return on Assets 0.88% Return on Equity 6.08% Interest Income $1.43 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 Bankers Bank had $1.24 million in non-current loans and owned real-estate with $29.04 million in equity and loan loss allowances on hand to cover it. This gives The Bankers Bank a Texas Ratio of 4.26% 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 Bankers Bank held steady from 0.35% as of March 31, 2011 to 4.26% as of March 31, 2012, resulting in a negative change of 1,108.92%. This indicates that the balance sheet and financial strength for The Bankers Bank has held steady in recent periods. Deposit Growth In the past year, The Bankers Bank has increased its total deposits by $14.24 million, resulting in 11.31% 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 Bankers Bank 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 Bankers Bank has $172.56 million in assets with $29.04 million in equity, resulting in a capitalization level of 16.83%, which is excellent.

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