1st National Bank

1st National Bank is headquartered in Lebanon and is the 142^nd largest bank in the state of Ohio. It is also the 4,628^th largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 55 employees at 11 locations. 1st National Bank has a 3-star health rating.

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1st National Bank CD Rates

Data for Q4 2011

Institution Statistics 1st National Bank FDIC Certificate # 6646 BankRate Report View Year Established 1907 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $112.50 million Loans $80.65 million Deposits $96.68 million Equity Capital $12.67 million Loan Loss Allowance $886,000 Unbacked Noncurrent Loans $2.13 million Real Estate Owned $4.43 million Historic Data - December 2010 Assets $112.75 million Equity Capital $12.64 million Loan Loss Allowance $1.25 million Unbacked Noncurrent Loans $3.57 million Real Estate Owned $3.34 million Profit Margin - Quarterly Net Interest Margin 3.92% Return on Assets 0.4% Return on Equity 3.5% Interest Income $5.05 million

Institution Health Overall Score: 3 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, 2011 1st National Bank had $6.55 million in non-current loans and owned real-estate with $13.56 million in equity and loan loss allowances on hand to cover it. This gives 1st National Bank a Texas Ratio of 48.33% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for 1st National Bank held steady from 49.71% as of December 31, 2010 to 48.33% as of December 31, 2011, resulting in a positive change of 2.77%.This indicates that the balance sheet and financial strength for 1st National Bank has held steady in recent periods. Deposit Growth In the past year, 1st National Bank has decreased its total deposits by $-186,000, resulting in -0.19% 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 1st National Bank has shown is 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. 1st National Bank has $112.5 million in assets with $13.56 million in equity, resulting in a capitalization level of 12.05%, which is excellent.

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