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 320^th largest bank in the state of Texas. It is also the 4,161^st largest bank in the nation. It was established in 2007 and as of September of 2011, it had grown to 18 employees at 1 location. Vision Bank - Texas has a 5-star health rating.

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.

Vision Bank Texas RCA Rate Change (From 3.75 To 3.50%APY) Possibly Effective Retroactively (Forum) - 8/10/2011

On 6/2, Vision Bank inTexas lowered the RCA rate from 4 to 3.75%APY midway through the qualification period without notification to accountholders other than through the website update. Just over two months later there has been

Vision Bank Texas RCA Now 3.75%APY Effective Mid-Cycle (Forum) - 6/4/2011

4%APY / $25K cap now 3.75%APY / $25K cap as of 6/2/11. The change has been communicated only via a site update in the "Account Summary" area. Current accountholders have not received any other notification.

2011

3/16 - Top Savings and Reward Checking Account at Vision Bank in Texas - Local Only

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
2.50%	-	$25k	Vision Rewards Checking
1.20%	-	-	Vision Non-Profit Business Checking
1.16%	-	-	IOLTA Interest Business Checking
1.11%	-	-	Personal Interest Checking
1.11%	-	-	Business Interest Checking

Vision Bank - Texas Savings Account Rates

Apy	Min	Max	Product
1.00%	$100k	-	Premier Savings
0.20%	-	-	Vision Savings

Vision Bank - Texas Money Market Rates

	Apy	Min	Max	Product
	1.00%	$100k	-	Money Market Account

Vision Bank - Texas CD Rates

Apy	Min	Max	Product
0.95%	-	-	1 Year CD
0.95%	-	-	Over 1 Year CD
0.60%	-	-	120 Day CD
0.60%	-	-	180 Day CD
0.40%	-	-	30 Day CD
0.40%	-	-	90 Day CD

Rates updated: 2/10/2012

Data for Q3 2011

Institution Statistics

Vision Bank - Texas
FDIC Certificate #	58447
BankRate Report	View
Year Established	2007
Employees	18
Primary Regulator	FDIC
Assets and Liabilities
Assets	$132.69 million
Loans	$66.87 million
Deposits	$118.54 million
Equity Capital	$13.94 million
Loan Loss Allowance	$1.11 million
Unbacked Noncurrent Loans	$151,000
Real Estate Owned	$1.89 million
Historic Data - September 2010
Assets	$107.64 million
Equity Capital	$12.85 million
Loan Loss Allowance	$738,000
Profit Margin - Quarterly
Net Interest Margin	3.04%
Return on Assets	1.65%
Return on Equity	15.36%
Interest Income	$3.63 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 September 30, 2011 Vision Bank - Texas had $2.04 million in non-current loans and owned real-estate with $15.04 million in equity and loan loss allowances on hand to cover it. This gives Vision Bank - Texas a Texas Ratio of 13.57% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Deposit Growth
In the past year, Vision Bank - Texas has increased its total deposits by $29.35 million, resulting in 32.91% 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 $132.69 million in assets with $15.04 million in equity, resulting in a capitalization level of 11.34%, which is above average.