First American National Bank

First American National Bank is headquartered in Iuka and is the 38^th largest bank in the state of Mississippi. It is also the 2,633^rd largest bank in the nation. It was established in 1964 and as of March of 2012, it had grown to 82 employees at 8 locations. First American National Bank has a 5-star health rating.

First American National Bank Routing Number: 084201058

Data for Q1 2012

Institution Statistics First American National Bank FDIC Certificate # 19226 BankRate Report View Year Established 1964 Employees 82 Primary Regulator OCC Assets and Liabilities Assets $244.51 million Loans $110.50 million Deposits $213.87 million Equity Capital $26.77 million Loan Loss Allowance $1.78 million Unbacked Noncurrent Loans $1.27 million Real Estate Owned $516,000 Historic Data - March 2011 Assets $228.24 million Equity Capital $24.85 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $530,000 Real Estate Owned $875,000 Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets 0.75% Return on Equity 6.78% Interest Income $2.42 million

Institution Health Overall Score: 5 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 First American National Bank had $1.79 million in non-current loans and owned real-estate with $28.54 million in equity and loan loss allowances on hand to cover it. This gives First American National Bank a Texas Ratio of 6.27% 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 First American National Bank held steady from 5.31% as of March 31, 2011 to 6.27% as of March 31, 2012, resulting in a negative change of 17.95%. This indicates that the balance sheet and financial strength for First American National Bank has held steady in recent periods. Deposit Growth In the past year, First American National Bank has increased its total deposits by $15.42 million, resulting in 7.77% 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 National Bank 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. First American National Bank has $244.51 million in assets with $28.54 million in equity, resulting in a capitalization level of 11.67%, which is above average.

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