First Bank of Newton

First Bank of Newton is headquartered in Newton and is the 85^th largest bank in the state of Kansas. It is also the 3,916^st largest bank in the nation. It was established in 1873 and as of March of 2012, it had grown to 51 employees at 4 locations. First Bank of Newton has a 4-star health rating.

First Bank of Newton Routing Number: 101100854

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Data for Q1 2012

Institution Statistics First Bank of Newton FDIC Certificate # 4738 BankRate Report View Year Established 1873 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $147.61 million Loans $96.88 million Deposits $135.51 million Equity Capital $11.85 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $802,000 Real Estate Owned $606,000 Historic Data - March 2011 Assets $143.32 million Equity Capital $10.70 million Loan Loss Allowance $1.30 million Unbacked Noncurrent Loans $1.55 million Real Estate Owned $563,000 Profit Margin - Quarterly Net Interest Margin 4.14% Return on Assets 1.66% Return on Equity 21.47% Interest Income $1.68 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 First Bank of Newton had $1.41 million in non-current loans and owned real-estate with $13.52 million in equity and loan loss allowances on hand to cover it. This gives First Bank of Newton a Texas Ratio of 10.41% 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 First Bank of Newton decreased significantly from 17.59% as of March 31, 2011 to 10.41% as of March 31, 2012, resulting in a positive change of 40.81%.This indicates that the balance sheet and financial strength for First Bank of Newton has improved significantly in recent periods. Deposit Growth In the past year, First Bank of Newton has increased its total deposits by $3.22 million, resulting in 2.43% 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 Bank of Newton 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 Bank of Newton has $147.61 million in assets with $13.52 million in equity, resulting in a capitalization level of 9.16%, which is average.

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