First National Bank in Fredonia

First National Bank in Fredonia is headquartered in Fredonia and is the 127^th largest bank in the state of Kansas. It is also the 4,906^th largest bank in the nation. It was established in 1871 and as of March of 2012, it had grown to 15 employees at 1 location. First National Bank in Fredonia has a 5-star health rating.

First National Bank in Fredonia Routing Number: 101101921

Data for Q1 2012

Institution Statistics First National Bank in Fredonia FDIC Certificate # 13798 BankRate Report View Year Established 1871 Employees 15 Primary Regulator OCC Assets and Liabilities Assets $101.73 million Loans $31.32 million Deposits $86.13 million Equity Capital $15.37 million Loan Loss Allowance $641,000 Unbacked Noncurrent Loans $847,000 Real Estate Owned $227,000 Historic Data - March 2011 Assets $95.33 million Equity Capital $13.76 million Loan Loss Allowance $552,000 Unbacked Noncurrent Loans $932,000 Real Estate Owned $255,000 Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 2.45% Return on Equity 16.59% Interest Income $1.22 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 in Fredonia had $1.07 million in non-current loans and owned real-estate with $16.01 million in equity and loan loss allowances on hand to cover it. This gives First National Bank in Fredonia a Texas Ratio of 6.71% 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 in Fredonia decreased slightly from 8.29% as of March 31, 2011 to 6.71% as of March 31, 2012, resulting in a positive change of 19.09%.This indicates that the balance sheet and financial strength for First National Bank in Fredonia has improved slightly in recent periods. Deposit Growth In the past year, First National Bank in Fredonia has increased its total deposits by $4.82 million, resulting in 5.93% 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 in Fredonia 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 in Fredonia has $101.73 million in assets with $16.01 million in equity, resulting in a capitalization level of 15.73%, which is excellent.

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