The City National Bank and Trust Company of Lawton, Oklahoma

The City National Bank and Trust Company of Lawton, Oklahoma is headquartered in Lawton and is the 38^th largest bank in the state of Oklahoma. It is also the 2,174^th largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 375 employees at 36 locations. The City National Bank and Trust Company of Lawton, Oklahoma has a 4-star health rating.

The City National Bank and Trust Company of Lawton, Oklahoma CD Rates

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Data for Q1 2012

Institution Statistics The City National Bank and Trust Company of Lawton, Oklahoma FDIC Certificate # 4132 BankRate Report View Year Established 1901 Employees 375 Primary Regulator OCC Assets and Liabilities Assets $300.84 million Loans $167.86 million Deposits $260.78 million Equity Capital $35.63 million Loan Loss Allowance $4.29 million Unbacked Noncurrent Loans $5.03 million Real Estate Owned $1.76 million Historic Data - March 2011 Assets $275.71 million Equity Capital $34.44 million Loan Loss Allowance $4.03 million Unbacked Noncurrent Loans $4.40 million Real Estate Owned $1.17 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.98% Return on Equity 16.65% Interest Income $2.65 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 City National Bank and Trust Company of Lawton, Oklahoma had $6.79 million in non-current loans and owned real-estate with $39.92 million in equity and loan loss allowances on hand to cover it. This gives The City National Bank and Trust Company of Lawton, Oklahoma a Texas Ratio of 17.01% 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 City National Bank and Trust Company of Lawton, Oklahoma held steady from 14.47% as of March 31, 2011 to 17.01% as of March 31, 2012, resulting in a negative change of 17.54%. This indicates that the balance sheet and financial strength for The City National Bank and Trust Company of Lawton, Oklahoma has held steady in recent periods. Deposit Growth In the past year, The City National Bank and Trust Company of Lawton, Oklahoma has increased its total deposits by $23.63 million, resulting in 9.97% 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 City National Bank and Trust Company of Lawton, Oklahoma 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 City National Bank and Trust Company of Lawton, Oklahoma has $300.83 million in assets with $39.92 million in equity, resulting in a capitalization level of 13.27%, which is excellent.

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