Town North Bank, N. A.

Town North Bank, N. A. is headquartered in Dallas and is the 72^nd largest bank in the state of Texas. It is also the 996^th largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 58 employees at 2 locations. Town North Bank, N. A. has a 3-star health rating.

Town North Bank, N. A. Savings Account Rates

Town North Bank, N. A. Money Market Rates

Town North Bank, N. A. CD Rates

Town North Bank, N. A. IRA Rates

Data for Q1 2012

Institution Statistics Town North Bank, N. A. FDIC Certificate # 20727 BankRate Report View Year Established 1972 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $666.18 million Loans $303.81 million Deposits $417.86 million Equity Capital $62.50 million Loan Loss Allowance $3.67 million Unbacked Noncurrent Loans $7.87 million Real Estate Owned $4.54 million Historic Data - March 2011 Assets $799.38 million Equity Capital $60.37 million Loan Loss Allowance $7.73 million Unbacked Noncurrent Loans $16.53 million Real Estate Owned $6.78 million Profit Margin - Quarterly Net Interest Margin 2.18% Return on Assets 3.29% Return on Equity 38.47% Interest Income $6.14 million

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 Town North Bank, N. A. had $12.4 million in non-current loans and owned real-estate with $66.17 million in equity and loan loss allowances on hand to cover it. This gives Town North Bank, N. A. a Texas Ratio of 18.75% 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 Town North Bank, N. A. decreased significantly from 34.23% as of March 31, 2011 to 18.75% as of March 31, 2012, resulting in a positive change of 45.23%.This indicates that the balance sheet and financial strength for Town North Bank, N. A. has improved significantly in recent periods. Deposit Growth In the past year, Town North Bank, N. A. has decreased its total deposits by -$67.3 million, resulting in -13.87% 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 Town North Bank, N. A. has shown is poor. 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. Town North Bank, N. A. has $666.18 million in assets with $66.17 million in equity, resulting in a capitalization level of 9.93%, which is average.