Western National Bank (TX)

Western National Bank (TX) is headquartered in Odessa and is the 40^th largest bank in the state of Texas. It is also the 549^th largest bank in the nation. It was established in 1977 and as of March of 2012, it had grown to 175 employees at 8 locations. Western National Bank (TX) has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Western National Bank FDIC Certificate # 22482 BankRate Report View Year Established 1977 Employees 175 Primary Regulator OCC Assets and Liabilities Assets $1.20 billion Loans $613.15 million Deposits $1.06 billion Equity Capital $107.85 million Loan Loss Allowance $9.73 million Unbacked Noncurrent Loans $14.20 million Real Estate Owned $5.64 million Historic Data - March 2011 Assets $1.10 billion Equity Capital $91.71 million Loan Loss Allowance $9.37 million Unbacked Noncurrent Loans $16.21 million Real Estate Owned $6.07 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 1.79% Return on Equity 19.92% Interest Income $10.90 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 Western National Bank (TX) had $19.83 million in non-current loans and owned real-estate with $117.58 million in equity and loan loss allowances on hand to cover it. This gives Western National Bank (TX) a Texas Ratio of 16.87% 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 Western National Bank (TX) decreased slightly from 22.04% as of March 31, 2011 to 16.87% as of March 31, 2012, resulting in a positive change of 23.48%.This indicates that the balance sheet and financial strength for Western National Bank (TX) has improved slightly in recent periods. Deposit Growth In the past year, Western National Bank (TX) has increased its total deposits by $106.97 million, resulting in 11.25% 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 Western National Bank (TX) 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. Western National Bank (TX) has $1.2 billion in assets with $117.58 million in equity, resulting in a capitalization level of 9.78%, which is average.

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