West Side Bank and Trust

West Side Bank and Trust is headquartered in Fort Worth and is the 501^st largest bank in the state of Texas. It is also the 6,238^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 14 employees at 1 location. West Side Bank and Trust has a 4-star health rating.

West Side Bank and Trust Routing Number: 111917574

Data for Q1 2012

Institution Statistics West Side Bank and Trust FDIC Certificate # 18915 BankRate Report View Year Established 1963 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $54.15 million Loans $41.50 million Deposits $45.30 million Equity Capital $8.78 million Loan Loss Allowance $858,000 Unbacked Noncurrent Loans $2.77 million Historic Data - March 2011 Assets $55.05 million Equity Capital $8.43 million Loan Loss Allowance $1.33 million Unbacked Noncurrent Loans $3.93 million Profit Margin - Quarterly Net Interest Margin 3.95% Return on Assets 0.26% Return on Equity 1.64% Interest Income $564,000

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 March 31, 2012 West Side Bank and Trust had $2.77 million in non-current loans and owned real-estate with $9.64 million in equity and loan loss allowances on hand to cover it. This gives West Side Bank and Trust a Texas Ratio of 28.69% 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 West Side Bank and Trust decreased slightly from 38.23% as of March 31, 2011 to 28.69% as of March 31, 2012, resulting in a positive change of 24.95%.This indicates that the balance sheet and financial strength for West Side Bank and Trust has improved slightly in recent periods. Deposit Growth In the past year, West Side Bank and Trust has decreased its total deposits by -$1.24 million, resulting in -2.66% 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 West Side Bank and Trust has shown is below 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. West Side Bank and Trust has $54.15 million in assets with $9.64 million in equity, resulting in a capitalization level of 17.80%, which is excellent.

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