West Texas National Bank

West Texas National Bank is headquartered in Midland and is the 61^st largest bank in the state of Texas. It is also the 769^th largest bank in the nation. It was established in 1979 and as of December of 2012, it had grown to 126 employees at 11 locations. West Texas National Bank has a 5-star health rating.

West Texas National Bank Routing Number: 112304678

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Data for Q4 2012

Institution Statistics West Texas National Bank FDIC Certificate # 22957 BankRate Report View Year Established 1979 Employees 126 Primary Regulator OCC Assets and Liabilities Assets $866.95 million Loans $384.42 million Deposits $777.22 million Equity Capital $86.60 million Loan Loss Allowance $6.92 million Unbacked Noncurrent Loans $3.66 million Historic Data - December 2011 Assets $708.60 million Equity Capital $74.96 million Loan Loss Allowance $5.51 million Unbacked Noncurrent Loans $5.36 million Profit Margin - Quarterly Net Interest Margin 3.64% Return on Assets 1.81% Return on Equity 17.06% Interest Income $27.07 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 December 31, 2012 West Texas National Bank had $3.66 million in non-current loans and owned real-estate with $93.52 million in equity and loan loss allowances on hand to cover it. This gives West Texas National Bank a Texas Ratio of 3.92% 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 6.66% as of December 31, 2011 to 3.92% as of December 31, 2012, resulting in a positive change of 41.23%.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 increased its total deposits by $146.8 million, resulting in 23.29% 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 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. West Texas National Bank has $866.95 million in assets with $93.52 million in equity, resulting in a capitalization level of 10.79%, which is above average.

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