First National Bank of Baldwin County

First National Bank of Baldwin County is headquartered in Foley and is the 52^nd largest bank in the state of Alabama. It is also the 3,045^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 55 employees at 5 locations. First National Bank of Baldwin County's money market rates are 70% higher than the national average, but it has a 1-star health rating.

First National Bank of Baldwin County Checking Account Rates

First National Bank of Baldwin County Savings Account Rates

First National Bank of Baldwin County Money Market Rates

First National Bank of Baldwin County CD Rates

First National Bank of Baldwin County IRA Rates

Data for Q1 2012

Institution Statistics First National Bank of Baldwin County FDIC Certificate # 57181 BankRate Report View Year Established 2001 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $205.87 million Loans $146.14 million Deposits $195.79 million Equity Capital $4.57 million Loan Loss Allowance $3.56 million Unbacked Noncurrent Loans $2.65 million Real Estate Owned $5.92 million Historic Data - March 2011 Assets $239.12 million Equity Capital $8.34 million Loan Loss Allowance $4.14 million Unbacked Noncurrent Loans $3.28 million Real Estate Owned $10.78 million Profit Margin - Quarterly Net Interest Margin 3.29% Return on Assets -1.06% Return on Equity -45.18% Interest Income $1.97 million

Institution Health Overall Score: 1 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 of Baldwin County had $8.57 million in non-current loans and owned real-estate with $8.13 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Baldwin County a Texas Ratio of 105.36% which is poor. 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 of Baldwin County held steady from 112.72% as of March 31, 2011 to 105.36% as of March 31, 2012, resulting in a positive change of 6.53%.This indicates that the balance sheet and financial strength for First National Bank of Baldwin County has held steady in recent periods. Deposit Growth In the past year, First National Bank of Baldwin County has decreased its total deposits by -$29.41 million, resulting in -13.06% 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 of Baldwin County 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 of Baldwin County has $205.87 million in assets with $8.13 million in equity, resulting in a capitalization level of 3.95%, which is poor.

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