First American Bank (OK)

First American Bank (OK) is headquartered in Purcell and is the 36^th largest bank in the state of Oklahoma. It is also the 2,103^rd largest bank in the nation. It was established in 1935 and as of September of 2011, it had grown to 140 employees at 9 locations. First American Bank (OK) has a 4-star health rating.

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Data for Q3 2011

Institution Statistics First American Bank FDIC Certificate # 15296 BankRate Report View Year Established 1935 Employees 140 Primary Regulator FED Assets and Liabilities Assets $307.95 million Loans $195.12 million Deposits $281.13 million Equity Capital $25.61 million Loan Loss Allowance $2.61 million Unbacked Noncurrent Loans $4.47 million Real Estate Owned $626,000 Historic Data - September 2010 Assets $299.12 million Equity Capital $24.90 million Loan Loss Allowance $2.78 million Unbacked Noncurrent Loans $5.44 million Real Estate Owned $319,000 Profit Margin - Quarterly Net Interest Margin 4.42% Return on Assets 0.71% Return on Equity 8.58% Interest Income $10.28 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 September 30, 2011 First American Bank (OK) had $5.09 million in non-current loans and owned real-estate with $28.21 million in equity and loan loss allowances on hand to cover it. This gives First American Bank (OK) a Texas Ratio of 18.06% 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 First American Bank (OK) decreased slightly from 22.33% as of September 30, 2010 to 18.06% as of September 30, 2011, resulting in a positive change of 19.15%.This indicates that the balance sheet and financial strength for First American Bank (OK) has improved slightly in recent periods. Deposit Growth In the past year, First American Bank (OK) has increased its total deposits by $10 million, resulting in 3.69% 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 First American Bank (OK) has shown is above 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. First American Bank (OK) has $307.95 million in assets with $28.21 million in equity, resulting in a capitalization level of 9.16%, which is average.

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