Woodhaven National Bank

Woodhaven National Bank is headquartered in Fort Worth and is the 123^rd largest bank in the state of Texas. It is also the 1,638^th largest bank in the nation. It was established in 1983 and as of March of 2012, it had grown to 87 employees at 8 locations. Woodhaven National Bank has a 4-star health rating.

Woodhaven National Bank Routing Number: 111912744

Data for Q1 2012

Institution Statistics Woodhaven National Bank FDIC Certificate # 24551 BankRate Report View Year Established 1983 Employees 87 Primary Regulator OCC Assets and Liabilities Assets $405.64 million Loans $286.65 million Deposits $355.55 million Equity Capital $37.81 million Loan Loss Allowance $3.55 million Unbacked Noncurrent Loans $2.39 million Real Estate Owned $3.04 million Historic Data - March 2011 Assets $410.43 million Equity Capital $33.67 million Loan Loss Allowance $3.68 million Unbacked Noncurrent Loans $3.85 million Real Estate Owned $3.31 million Profit Margin - Quarterly Net Interest Margin 4.44% Return on Assets 1.64% Return on Equity 17.93% Interest Income $4.72 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 Woodhaven National Bank had $5.44 million in non-current loans and owned real-estate with $41.36 million in equity and loan loss allowances on hand to cover it. This gives Woodhaven National Bank a Texas Ratio of 13.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Woodhaven National Bank decreased slightly from 19.15% as of March 31, 2011 to 13.15% as of March 31, 2012, resulting in a positive change of 31.36%.This indicates that the balance sheet and financial strength for Woodhaven National Bank has improved slightly in recent periods. Deposit Growth In the past year, Woodhaven National Bank has decreased its total deposits by -$12.99 million, resulting in -3.53% 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 Woodhaven National Bank 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. Woodhaven National Bank has $405.64 million in assets with $41.36 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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