The Moody National Bank

The Moody National Bank is headquartered in Galveston and is the 57^th largest bank in the state of Texas. It is also the 745^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 279 employees at 21 locations. The Moody National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Moody National Bank FDIC Certificate # 3210 BankRate Report View Year Established 1907 Employees 279 Primary Regulator OCC Assets and Liabilities Assets $891.25 million Loans $421.74 million Deposits $775.91 million Equity Capital $91.39 million Loan Loss Allowance $6.41 million Unbacked Noncurrent Loans $12.99 million Real Estate Owned $973,000 Historic Data - March 2011 Assets $957.40 million Equity Capital $83.15 million Loan Loss Allowance $6.50 million Unbacked Noncurrent Loans $9.30 million Real Estate Owned $3.88 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.75% Return on Equity 7.25% Interest Income $8.48 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 Moody National Bank had $13.96 million in non-current loans and owned real-estate with $97.8 million in equity and loan loss allowances on hand to cover it. This gives The Moody National Bank a Texas Ratio of 14.28% 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 Moody National Bank held steady from 14.69% as of March 31, 2011 to 14.28% as of March 31, 2012, resulting in a positive change of 2.82%.This indicates that the balance sheet and financial strength for The Moody National Bank has held steady in recent periods. Deposit Growth In the past year, The Moody National Bank has decreased its total deposits by -$39.05 million, resulting in -4.79% 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 Moody National Bank has shown is below average. 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 Moody National Bank has $891.25 million in assets with $97.8 million in equity, resulting in a capitalization level of 10.97%, which is above average.

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