West Texas State Bank

West Texas State Bank is headquartered in Snyder and is the 318^st largest bank in the state of Texas. It is also the 4,011^st largest bank in the nation. It was established in 1950 and as of March of 2012, it had grown to 30 employees at 3 locations. West Texas State Bank has a 4-star health rating.

West Texas State Bank Routing Number: 111322664

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Data for Q1 2012

Institution Statistics West Texas State Bank FDIC Certificate # 16866 BankRate Report View Year Established 1950 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $142.25 million Loans $82.57 million Deposits $128.74 million Equity Capital $13.30 million Loan Loss Allowance $1.49 million Unbacked Noncurrent Loans $3.91 million Real Estate Owned $20,000 Historic Data - March 2011 Assets $133.08 million Equity Capital $12.65 million Loan Loss Allowance $1.35 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $50,000 Profit Margin - Quarterly Net Interest Margin 4.09% Return on Assets 1.76% Return on Equity 18.17% Interest Income $1.52 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 March 31, 2012 West Texas State Bank had $3.93 million in non-current loans and owned real-estate with $14.79 million in equity and loan loss allowances on hand to cover it. This gives West Texas State Bank a Texas Ratio of 26.58% 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 Texas State Bank increased slightly from 9.54% as of March 31, 2011 to 26.58% as of March 31, 2012, resulting in a negative change of 178.70%. This indicates that the balance sheet and financial strength for West Texas State Bank has declined slightly in recent periods. Deposit Growth In the past year, West Texas State Bank has increased its total deposits by $8.6 million, resulting in 7.16% 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 State 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 State Bank has $142.25 million in assets with $14.79 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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