First National Bank and Trust of Fullerton

First National Bank and Trust of Fullerton is headquartered in Fullerton and is the 121^st largest bank in the state of Nebraska. It is also the 5,795^th largest bank in the nation. It was established in 1881 and as of March of 2012, it had grown to 14 employees at 2 locations. First National Bank and Trust of Fullerton's money market rates are 14% higher than the national average, and it boasts a 5-star health rating.

First National Bank and Trust of Fullerton Checking Account Rates

First National Bank and Trust of Fullerton Savings Account Rates

First National Bank and Trust of Fullerton Money Market Rates

First National Bank and Trust of Fullerton CD Rates

First National Bank and Trust of Fullerton IRA Rates

Data for Q1 2012

Institution Statistics First Bank and Trust of Fullerton FDIC Certificate # 5405 BankRate Report View Year Established 1881 Employees 14 Primary Regulator FED Assets and Liabilities Assets $69.20 million Loans $40.21 million Deposits $52.85 million Equity Capital $11.39 million Loan Loss Allowance $614,000 Unbacked Noncurrent Loans $388,000 Historic Data - March 2011 Assets $63.63 million Equity Capital $10.93 million Loan Loss Allowance $602,000 Unbacked Noncurrent Loans $56,000 Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets 0.73% Return on Equity 4.29% Interest Income $647,000

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 National Bank and Trust of Fullerton had $388,000 in non-current loans and owned real-estate with $12 million in equity and loan loss allowances on hand to cover it. This gives First National Bank and Trust of Fullerton a Texas Ratio of 3.23% 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 National Bank and Trust of Fullerton held steady from 0.49% as of March 31, 2011 to 3.23% as of March 31, 2012, resulting in a negative change of 565.84%. This indicates that the balance sheet and financial strength for First National Bank and Trust of Fullerton has held steady in recent periods. Deposit Growth In the past year, First National Bank and Trust of Fullerton has increased its total deposits by $4.68 million, resulting in 9.71% 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 and Trust of Fullerton 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 and Trust of Fullerton has $69.2 million in assets with $12 million in equity, resulting in a capitalization level of 17.34%, which is excellent.

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