Tradition Bank

Tradition Bank is headquartered in Houston and is the 101^st largest bank in the state of Texas. It is also the 1,466^th largest bank in the nation. It was established in 1980 and as of September of 2011, it had grown to 102 employees at 7 locations. Tradition Bank has a 4-star health rating.

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Data for Q3 2011

Institution Statistics Tradition Bank - Bellaire FDIC Certificate # 23032 BankRate Report View Year Established 1980 Employees 102 Primary Regulator FED Assets and Liabilities Assets $450.88 million Loans $224.29 million Deposits $401.13 million Equity Capital $41.09 million Loan Loss Allowance $3.44 million Unbacked Noncurrent Loans $848,000 Real Estate Owned $9.99 million Historic Data - September 2010 Assets $429.20 million Equity Capital $37.72 million Loan Loss Allowance $3.48 million Unbacked Noncurrent Loans $3.42 million Real Estate Owned $9.97 million Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 0.72% Return on Equity 7.86% Interest Income $14.73 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 September 30, 2011 Tradition Bank had $10.84 million in non-current loans and owned real-estate with $44.53 million in equity and loan loss allowances on hand to cover it. This gives Tradition Bank a Texas Ratio of 24.33% 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 Tradition Bank decreased slightly from 32.50% as of September 30, 2010 to 24.33% as of September 30, 2011, resulting in a positive change of 25.14%.This indicates that the balance sheet and financial strength for Tradition Bank has improved slightly in recent periods. Deposit Growth In the past year, Tradition Bank has increased its total deposits by $15.7 million, resulting in 4.07% 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 Tradition Bank has shown is above 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. Tradition Bank has $450.88 million in assets with $44.53 million in equity, resulting in a capitalization level of 9.88%, which is average.

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