West Texas National Bank

West Texas National Bank is headquartered in Midland and is the 70^th largest bank in the state of Texas. It is also the 981^st largest bank in the nation. It was established in 1979 and as of September of 2011, it had grown to 137 employees at 11 locations. West Texas National Bank has a 4-star health rating.

West Texas National Bank Routing Number: 112304678

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Data for Q3 2011

Institution Statistics West Texas National Bank FDIC Certificate # 22957 BankRate Report View Year Established 1979 Employees 137 Primary Regulator OCC Assets and Liabilities Assets $670.97 million Loans $324.34 million Deposits $595.43 million Equity Capital $72.49 million Loan Loss Allowance $5.05 million Unbacked Noncurrent Loans $5.62 million Real Estate Owned $95,000 Historic Data - September 2010 Assets $712.11 million Equity Capital $62.56 million Loan Loss Allowance $6.34 million Unbacked Noncurrent Loans $11.47 million Real Estate Owned $158,000 Profit Margin - Quarterly Net Interest Margin 3.73% Return on Assets -0.05% Return on Equity -0.51% Interest Income $17.34 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 West Texas National Bank had $5.71 million in non-current loans and owned real-estate with $77.54 million in equity and loan loss allowances on hand to cover it. This gives West Texas National Bank a Texas Ratio of 7.36% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for West Texas National Bank decreased significantly from 16.88% as of September 30, 2010 to 7.36% as of September 30, 2011, resulting in a positive change of 56.37%.This indicates that the balance sheet and financial strength for West Texas National Bank has improved significantly in recent periods. Deposit Growth In the past year, West Texas National Bank has decreased its total deposits by -$51.53 million, resulting in -7.97% 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 Texas National Bank 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. West Texas National Bank has $670.97 million in assets with $77.54 million in equity, resulting in a capitalization level of 11.56%, which is above average.

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