First National Bank (AR)

First National Bank (AR) is headquartered in Hot Springs and is the 14^st largest bank in the state of Arkansas. It is also the 910^st largest bank in the nation. It was established in 1897 and as of March of 2012, it had grown to 193 employees at 29 locations. First National Bank (AR) has a 5-star health rating.

Data for Q1 2012

Institution Statistics First National Bank FDIC Certificate # 3857 BankRate Report View Year Established 1897 Employees 193 Primary Regulator OCC Assets and Liabilities Assets $731.66 million Loans $395.67 million Deposits $556.48 million Equity Capital $122.89 million Loan Loss Allowance $9.40 million Unbacked Noncurrent Loans $613,000 Real Estate Owned $937,000 Historic Data - March 2011 Assets $670.92 million Equity Capital $111.37 million Loan Loss Allowance $8.68 million Unbacked Noncurrent Loans $2.67 million Real Estate Owned $917,000 Profit Margin - Quarterly Net Interest Margin 3.54% Return on Assets 0.96% Return on Equity 5.69% Interest Income $6.38 million

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 (AR) had $1.55 million in non-current loans and owned real-estate with $132.29 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (AR) a Texas Ratio of 1.17% 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 (AR) decreased significantly from 2.89% as of March 31, 2011 to 1.17% as of March 31, 2012, resulting in a positive change of 59.45%.This indicates that the balance sheet and financial strength for First National Bank (AR) has improved significantly in recent periods. Deposit Growth In the past year, First National Bank (AR) has increased its total deposits by $42.72 million, resulting in 8.32% 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 (AR) 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 (AR) has $731.66 million in assets with $132.29 million in equity, resulting in a capitalization level of 18.08%, which is excellent.

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