First Bank Richmond, National Association

First Bank Richmond, National Association is headquartered in Richmond and is the 24^th largest bank in the state of Indiana. It is also the 1,301^st largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 149 employees at 9 locations. First Bank Richmond, National Association's savings rates are 92% higher than the national average, but it has a 2-star health rating.

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Data for Q1 2012

Institution Statistics First Bank Richmond, National Association FDIC Certificate # 28533 BankRate Report View Year Established 1887 Employees 149 Primary Regulator OCC Assets and Liabilities Assets $521.01 million Loans $342.80 million Deposits $368.53 million Equity Capital $53.01 million Loan Loss Allowance $8.00 million Unbacked Noncurrent Loans $33.33 million Real Estate Owned $4.96 million Historic Data - March 2011 Assets $540.86 million Equity Capital $52.54 million Loan Loss Allowance $16.48 million Unbacked Noncurrent Loans $42.34 million Real Estate Owned $1.67 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.35% Return on Equity 3.46% Interest Income $6.11 million

Institution Health Overall Score: 2 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 Richmond, National Association had $38.29 million in non-current loans and owned real-estate with $61 million in equity and loan loss allowances on hand to cover it. This gives First Bank Richmond, National Association a Texas Ratio of 62.76% 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 First Bank Richmond, National Association held steady from 63.76% as of March 31, 2011 to 62.76% as of March 31, 2012, resulting in a positive change of 1.56%.This indicates that the balance sheet and financial strength for First Bank Richmond, National Association has held steady in recent periods. Deposit Growth In the past year, First Bank Richmond, National Association has decreased its total deposits by -$22.11 million, resulting in -5.66% 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 Richmond, National Association 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. First Bank Richmond, National Association has $521.01 million in assets with $61 million in equity, resulting in a capitalization level of 11.71%, which is above average.

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