Vision Bank - Texas

401 W. George Bush Freeway Suite 101
Richardson, TX 75080
972.470.1500
www.visionbanktexas.com

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Vision Bank - Texas is headquartered in Richardson and is the 275^th largest bank in the state of Texas. It is also the 3,405^th largest bank in the nation. It was established in 2007 and as of December of 2012, it had grown to 21 employees at 1 location. Vision Bank - Texas has a 4-star health rating.

Vision Bank (TX) Lowers RCA Rate (2.25%APY, $25K) To (2.1%APY, $25K) (Forum) - 1/3/2013

This change was effective yesterday, 1/2/13, in the middle of the current qualification cycle, which closes 1/14. As in past changes, the only notification to accountholders was through an update to the website.

Vision Bank Texas RCA (2.50%,$25K) To (2.25%, $25K) (Forum) - 10/2/2012

Change effective 10/1. There was no notification to the customers, as in past changes, other than an update to the website.

Vision Bank (TX) RCA rate drops ($25K/3.05%APY) to (25K/2.5%APY) effective 1/17/12, also heads up on ATM debit card use (Forum) - 1/19/2012

The bank has continued dropping its rate steadily: 6/2/11 from 4%APY to 3.75% 8/10/11 3.5% 10/20/11 3.05% As usual, the change has been com

Vision Bank (TX) RCA Rate Change (3.5%APY To 3.05%APY) $25K Cap Unchanged (Forum) - 10/21/2011

Noticed this change on the website this morning. CSR confirmed change is effective 10/20. Most recent reward qualification cycle ended 10/13, current qualification cycle closes 11/14.

2011

2010

7/5 - 1.71% 12-Month CD At Vision Bank In Texas (Forum)
6/13 - Top 12-Month CD, Savings Account and Reward Checking Rates at Vision Bank Texas - Local Only
3/23 - Vision Bank Texas Cuts Reward Checking Yield to 4.18% (Forum)

2009

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See Rates for: Checking | Savings | Money Market | CD

Vision Bank - Texas Checking Account Rates

Apy	Min	Max	Product
2.10%	-	$25k	Vision Rewards Checking
0.95%	-	-	Vision Non-Profit Business Checking
0.95%	-	-	IOLTA Interest Business Checking
0.86%	-	-	Personal Interest Checking

Vision Bank - Texas Savings Account Rates

Apy	Min	Max	Product
0.75%	$100k	-	Premier Savings
0.10%	-	-	Vision Savings

Vision Bank - Texas Money Market Rates

	Apy	Min	Max	Product
	0.75%	$100k	-	Money Market Account

Vision Bank - Texas CD Rates

Apy	Min	Max	Product
0.70%	-	-	1 Year CD
0.70%	-	-	Over 1 Year CD
0.35%	-	-	120 Day CD
0.35%	-	-	180 Day CD
0.15%	-	-	30 Day CD
0.15%	-	-	90 Day CD

Rates updated: 5/18/2013

Data for Q4 2012

Institution Statistics

Vision Bank - Texas
FDIC Certificate #	58447
BankRate Report	View
Year Established	2007
Employees	21
Primary Regulator	FDIC
Assets and Liabilities
Assets	$176.27 million
Loans	$88.67 million
Deposits	$162.36 million
Equity Capital	$13.76 million
Loan Loss Allowance	$1.27 million
Unbacked Noncurrent Loans	$1.50 million
Historic Data - December 2011
Assets	$136.04 million
Equity Capital	$12.97 million
Loan Loss Allowance	$1.17 million
Unbacked Noncurrent Loans	$150,000
Real Estate Owned	$927,000
Profit Margin - Quarterly
Net Interest Margin	3.11%
Return on Assets	1.1%
Return on Equity	11.96%
Interest Income	$5.74 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 December 31, 2012 Vision Bank - Texas had $1.5 million in non-current loans and owned real-estate with $15.03 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank - Texas a Texas Ratio of 9.97% 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 Vision Bank - Texas held steady from 7.62% as of December 31, 2011 to 9.97% as of December 31, 2012, resulting in a negative change of 30.87%. This indicates that the balance sheet and financial strength for Vision Bank - Texas has held steady in recent periods.
Deposit Growth
In the past year, Vision Bank - Texas has increased its total deposits by $39.48 million, resulting in 32.12% 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 Vision Bank - Texas 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. Vision Bank - Texas has $176.26 million in assets with $15.03 million in equity, resulting in a capitalization level of 8.53%, which is average.