First National Bank, Ames, Iowa

First National Bank, Ames, Iowa is headquartered in Ames and is the 20^th largest bank in the state of Iowa. It is also the 1,131^st largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 92 employees at 4 locations. First National Bank, Ames, Iowa has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank, Ames, Iowa FDIC Certificate # 1545 BankRate Report View Year Established 1903 Employees 92 Primary Regulator OCC Assets and Liabilities Assets $592.94 million Loans $212.48 million Deposits $482.99 million Equity Capital $63.02 million Loan Loss Allowance $3.37 million Unbacked Noncurrent Loans $4.50 million Real Estate Owned $5.62 million Historic Data - March 2011 Assets $530.61 million Equity Capital $54.33 million Loan Loss Allowance $3.26 million Unbacked Noncurrent Loans $4.32 million Real Estate Owned $5.94 million Profit Margin - Quarterly Net Interest Margin 2.85% Return on Assets 1.29% Return on Equity 11.9% Interest Income $4.45 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 National Bank, Ames, Iowa had $10.12 million in non-current loans and owned real-estate with $66.39 million in equity and loan loss allowances on hand to cover it. This gives First National Bank, Ames, Iowa a Texas Ratio of 15.24% 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 National Bank, Ames, Iowa held steady from 17.82% as of March 31, 2011 to 15.24% as of March 31, 2012, resulting in a positive change of 14.45%.This indicates that the balance sheet and financial strength for First National Bank, Ames, Iowa has held steady in recent periods. Deposit Growth In the past year, First National Bank, Ames, Iowa has increased its total deposits by $56.06 million, resulting in 13.13% 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 National Bank, Ames, Iowa 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 National Bank, Ames, Iowa has $592.94 million in assets with $66.39 million in equity, resulting in a capitalization level of 11.20%, which is above average.

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