The Karnes County National Bank of Karnes City

The Karnes County National Bank of Karnes City is headquartered in Karnes City and is the 269^th largest bank in the state of Texas. It is also the 3,369^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 27 employees at 1 location. The Karnes County National Bank of Karnes City has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Karnes County National Bank of Karnes City FDIC Certificate # 3279 BankRate Report View Year Established 1900 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $181.34 million Loans $49.30 million Deposits $167.76 million Equity Capital $11.80 million Loan Loss Allowance $701,000 Unbacked Noncurrent Loans $1.17 million Real Estate Owned $658,000 Historic Data - March 2011 Assets $116.93 million Equity Capital $9.62 million Loan Loss Allowance $501,000 Unbacked Noncurrent Loans $1.20 million Real Estate Owned $1.00 million Profit Margin - Quarterly Net Interest Margin 3.36% Return on Assets 0.92% Return on Equity 13.3% Interest Income $1.45 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 Karnes County National Bank of Karnes City had $1.82 million in non-current loans and owned real-estate with $12.5 million in equity and loan loss allowances on hand to cover it. This gives The Karnes County National Bank of Karnes City a Texas Ratio of 14.58% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The Karnes County National Bank of Karnes City decreased slightly from 21.77% as of March 31, 2011 to 14.58% as of March 31, 2012, resulting in a positive change of 33.03%.This indicates that the balance sheet and financial strength for The Karnes County National Bank of Karnes City has improved slightly in recent periods. Deposit Growth In the past year, The Karnes County National Bank of Karnes City has increased its total deposits by $61.19 million, resulting in 57.42% 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 Karnes County National Bank of Karnes City 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 Karnes County National Bank of Karnes City has $181.34 million in assets with $12.5 million in equity, resulting in a capitalization level of 6.89%, which is below average.

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