First National Bank in Lamar

First National Bank in Lamar is headquartered in Lamar and is the 36^th largest bank in the state of Colorado. It is also the 2,895^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 51 employees at 6 locations. First National Bank in Lamar has a 5-star health rating.

Data for Q1 2012

Institution Statistics Frontier Bank FDIC Certificate # 14730 BankRate Report View Year Established 1934 Employees 51 Primary Regulator FDIC Assets and Liabilities Assets $220.18 million Loans $96.70 million Deposits $192.00 million Equity Capital $27.88 million Loan Loss Allowance $2.64 million Unbacked Noncurrent Loans $1.14 million Real Estate Owned $5,000 Historic Data - March 2011 Assets $202.65 million Equity Capital $24.05 million Loan Loss Allowance $2.22 million Unbacked Noncurrent Loans $498,000 Real Estate Owned $200,000 Profit Margin - Quarterly Net Interest Margin 3.45% Return on Assets 2.83% Return on Equity 22.22% Interest Income $1.99 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 Lamar had $1.14 million in non-current loans and owned real-estate with $30.52 million in equity and loan loss allowances on hand to cover it. This gives First National Bank in Lamar a Texas Ratio of 3.74% 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 Lamar held steady from 3.09% as of March 31, 2011 to 3.74% as of March 31, 2012, resulting in a negative change of 21.01%. This indicates that the balance sheet and financial strength for First National Bank in Lamar has held steady in recent periods. Deposit Growth In the past year, First National Bank in Lamar has increased its total deposits by $23.63 million, resulting in 14.04% 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 Lamar 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 Lamar has $220.18 million in assets with $30.52 million in equity, resulting in a capitalization level of 13.86%, which is excellent.

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