First National Bank in Whitney

First National Bank in Whitney is headquartered in Whitney and is the 495^th largest bank in the state of Texas. It is also the 6,224^th largest bank in the nation. It was established in 1932 and as of March of 2012, it had grown to 14 employees at 2 locations. First National Bank in Whitney has a 4-star health rating.

Data for Q1 2012

Institution Statistics First National Bank in Whitney FDIC Certificate # 5584 BankRate Report View Year Established 1932 Employees 14 Primary Regulator OCC Assets and Liabilities Assets $54.65 million Loans $9.39 million Deposits $48.84 million Equity Capital $5.75 million Loan Loss Allowance $395,000 Historic Data - March 2011 Assets $58.43 million Equity Capital $5.49 million Loan Loss Allowance $400,000 Unbacked Noncurrent Loans $4,000 Profit Margin - Quarterly Net Interest Margin 2.47% Return on Assets 0.82% Return on Equity 8.14% Interest Income $396,000

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 in Whitney had $0 in non-current loans and owned real-estate with $6.15 million in equity and loan loss allowances on hand to cover it. This gives First National Bank in Whitney a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, First National Bank in Whitney has decreased its total deposits by -$4.05 million, resulting in -7.65% 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 Whitney has shown is poor. 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 Whitney has $54.65 million in assets with $6.15 million in equity, resulting in a capitalization level of 11.25%, which is above average.

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