The Freedom State Bank

The Freedom State Bank is headquartered in Freedom and is the 228^th largest bank in the state of Oklahoma. It is also the 7,143^rd largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 7 employees at 1 location. The Freedom State Bank has a 3-star health rating.

Data for Q1 2012

Institution Statistics The Freedom State Bank FDIC Certificate # 12483 BankRate Report View Year Established 1919 Employees 7 Primary Regulator FDIC Assets and Liabilities Assets $21.38 million Loans $9.20 million Deposits $19.54 million Equity Capital $1.82 million Loan Loss Allowance $133,000 Unbacked Noncurrent Loans $307,000 Historic Data - March 2011 Assets $17.28 million Equity Capital $1.73 million Loan Loss Allowance $122,000 Unbacked Noncurrent Loans $91,000 Profit Margin - Quarterly Net Interest Margin 2.89% Return on Assets 0.59% Return on Equity 6.89% Interest Income $174,000

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 Freedom State Bank had $307,000 in non-current loans and owned real-estate with $1.95 million in equity and loan loss allowances on hand to cover it. This gives The Freedom State Bank a Texas Ratio of 15.76% 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 Freedom State Bank increased slightly from 4.91% as of March 31, 2011 to 15.76% as of March 31, 2012, resulting in a negative change of 221.08%. This indicates that the balance sheet and financial strength for The Freedom State Bank has declined slightly in recent periods. Deposit Growth In the past year, The Freedom State Bank has increased its total deposits by $4.01 million, resulting in 25.83% 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 Freedom State 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 Freedom State Bank has $21.38 million in assets with $1.95 million in equity, resulting in a capitalization level of 9.11%, which is average.

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