First National Bank and Trust (WI)

First National Bank and Trust (WI) is headquartered in Barron and is the 249^th largest bank in the state of Wisconsin. It is also the 6,396^th largest bank in the nation. It was established in 1916 and as of March of 2012, it had grown to 15 employees at 2 locations. First National Bank and Trust (WI)'s savings rates are 3X the national average, and it has a 4-star health rating.

First National Bank and Trust (WI) Checking Account Rates

First National Bank and Trust (WI) Savings Account Rates

First National Bank and Trust (WI) Money Market Rates

First National Bank and Trust (WI) CD Rates

Data for Q1 2012

Institution Statistics First National Bank and Trust FDIC Certificate # 5338 BankRate Report View Year Established 1916 Employees 15 Primary Regulator OCC Assets and Liabilities Assets $49.03 million Loans $27.64 million Deposits $43.65 million Equity Capital $4.00 million Loan Loss Allowance $486,000 Unbacked Noncurrent Loans $559,000 Real Estate Owned $130,000 Historic Data - March 2011 Assets $43.98 million Equity Capital $3.86 million Loan Loss Allowance $562,000 Unbacked Noncurrent Loans $961,000 Real Estate Owned $604,000 Profit Margin - Quarterly Net Interest Margin 3.62% Return on Assets -0.2% Return on Equity -2.4% Interest Income $487,000

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 and Trust (WI) had $689,000 in non-current loans and owned real-estate with $4.48 million in equity and loan loss allowances on hand to cover it. This gives First National Bank and Trust (WI) a Texas Ratio of 15.37% 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 and Trust (WI) decreased significantly from 38.25% as of March 31, 2011 to 15.37% as of March 31, 2012, resulting in a positive change of 59.83%.This indicates that the balance sheet and financial strength for First National Bank and Trust (WI) has improved significantly in recent periods. Deposit Growth In the past year, First National Bank and Trust (WI) has increased its total deposits by $5.42 million, resulting in 14.18% 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 (WI) 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 (WI) has $49.03 million in assets with $4.48 million in equity, resulting in a capitalization level of 9.14%, which is average.

No reviews have been left for this bank yet. Be the first to review.