Zapata National Bank

Zapata National Bank is headquartered in Zapata and is the 396^th largest bank in the state of Texas. It is also the 4,893^rd largest bank in the nation. It was established in 1961 and as of March of 2012, it had grown to 21 employees at 1 location. Zapata National Bank has a 4-star health rating.

Zapata National Bank Routing Number: 114923756

Data for Q1 2012

Institution Statistics Zapata National Bank FDIC Certificate # 18454 BankRate Report View Year Established 1961 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $102.26 million Loans $36.68 million Deposits $91.58 million Equity Capital $10.56 million Loan Loss Allowance $392,000 Unbacked Noncurrent Loans $5,000 Historic Data - March 2011 Assets $111.79 million Equity Capital $10.44 million Loan Loss Allowance $371,000 Unbacked Noncurrent Loans $27,000 Profit Margin - Quarterly Net Interest Margin 3.26% Return on Assets 1.78% Return on Equity 17.59% Interest Income $820,000

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 Zapata National Bank had $5,000 in non-current loans and owned real-estate with $10.95 million in equity and loan loss allowances on hand to cover it. This gives Zapata National Bank a Texas Ratio of 0.05% 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 Zapata National Bank decreased significantly from 0.25% as of March 31, 2011 to 0.05% as of March 31, 2012, resulting in a positive change of 81.71%.This indicates that the balance sheet and financial strength for Zapata National Bank has improved significantly in recent periods. Deposit Growth In the past year, Zapata National Bank has decreased its total deposits by -$9.64 million, resulting in -9.53% 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 Zapata 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. Zapata National Bank has $102.26 million in assets with $10.95 million in equity, resulting in a capitalization level of 10.71%, which is above average.

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