TIB The Independent Bankersbank

TIB The Independent Bankersbank is headquartered in Irving and is the 17^st largest bank in the state of Texas. It is also the 265^th largest bank in the nation. It was established in 1982 and as of March of 2012, it had grown to 322 employees at 5 locations. TIB The Independent Bankersbank has a 5-star health rating.

Data for Q1 2012

Institution Statistics TIB The Independent Bankersbank FDIC Certificate # 23647 BankRate Report View Year Established 1982 Employees 322 Primary Regulator FED Assets and Liabilities Assets $2.67 billion Loans $562.07 million Deposits $1.90 billion Equity Capital $197.24 million Loan Loss Allowance $17.27 million Unbacked Noncurrent Loans $11.68 million Real Estate Owned $1.66 million Historic Data - March 2011 Assets $2.40 billion Equity Capital $191.71 million Loan Loss Allowance $21.87 million Unbacked Noncurrent Loans $14.32 million Real Estate Owned $7.41 million Profit Margin - Quarterly Net Interest Margin 1.17% Return on Assets 0.96% Return on Equity 12.79% Interest Income $12.28 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 TIB The Independent Bankersbank had $13.34 million in non-current loans and owned real-estate with $214.5 million in equity and loan loss allowances on hand to cover it. This gives TIB The Independent Bankersbank a Texas Ratio of 6.22% 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 TIB The Independent Bankersbank decreased slightly from 10.11% as of March 31, 2011 to 6.22% as of March 31, 2012, resulting in a positive change of 38.53%.This indicates that the balance sheet and financial strength for TIB The Independent Bankersbank has improved slightly in recent periods. Deposit Growth In the past year, TIB The Independent Bankersbank has increased its total deposits by $333.86 million, resulting in 21.25% 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 TIB The Independent Bankersbank 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. TIB The Independent Bankersbank has $2.67 billion in assets with $214.5 million in equity, resulting in a capitalization level of 8.04%, which is average.

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