The National Bank of Andrews

The National Bank of Andrews is headquartered in Andrews and is the 321^st largest bank in the state of Texas. It is also the 4,048^th largest bank in the nation. It was established in 1945 and as of March of 2012, it had grown to 40 employees at 4 locations. The National Bank of Andrews has a 5-star health rating.

Data for Q1 2012

Institution Statistics The National Bank of Andrews FDIC Certificate # 17603 BankRate Report View Year Established 1945 Employees 40 Primary Regulator OCC Assets and Liabilities Assets $140.06 million Loans $67.99 million Deposits $126.66 million Equity Capital $11.45 million Loan Loss Allowance $995,000 Unbacked Noncurrent Loans $8,000 Historic Data - March 2011 Assets $112.35 million Equity Capital $10.59 million Loan Loss Allowance $986,000 Unbacked Noncurrent Loans $59,000 Profit Margin - Quarterly Net Interest Margin 3.79% Return on Assets 1.41% Return on Equity 16.91% Interest Income $1.29 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 National Bank of Andrews had $8,000 in non-current loans and owned real-estate with $12.45 million in equity and loan loss allowances on hand to cover it. This gives The National Bank of Andrews a Texas Ratio of 0.06% 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 National Bank of Andrews decreased significantly from 0.51% as of March 31, 2011 to 0.06% as of March 31, 2012, resulting in a positive change of 87.39%.This indicates that the balance sheet and financial strength for The National Bank of Andrews has improved significantly in recent periods. Deposit Growth In the past year, The National Bank of Andrews has increased its total deposits by $27.17 million, resulting in 27.31% 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 National Bank of Andrews 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 National Bank of Andrews has $140.06 million in assets with $12.45 million in equity, resulting in a capitalization level of 8.89%, which is average.

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