First National Bank of Broken Arrow

First National Bank of Broken Arrow is headquartered in Broken Arrow and is the 73^rd largest bank in the state of Oklahoma. It is also the 3,287^th largest bank in the nation. It was established in 1904 and as of September of 2011, it had grown to 58 employees at 4 locations. First National Bank of Broken Arrow has a 3-star health rating.

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Data for Q3 2011

Institution Statistics The First National Bank and Trust Company of Broken Arrow FDIC Certificate # 4050 BankRate Report View Year Established 1904 Employees 58 Primary Regulator OCC Assets and Liabilities Assets $185.48 million Loans $100.22 million Deposits $167.66 million Equity Capital $16.03 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $4.51 million Real Estate Owned $4.10 million Historic Data - September 2010 Assets $187.17 million Equity Capital $16.11 million Loan Loss Allowance $1.75 million Unbacked Noncurrent Loans $5.50 million Real Estate Owned $5.61 million Profit Margin - Quarterly Net Interest Margin 3.31% Return on Assets 0.13% Return on Equity 1.53% Interest Income $4.97 million

Institution Health Overall Score: 3 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 September 30, 2011 First National Bank of Broken Arrow had $8.61 million in non-current loans and owned real-estate with $17.89 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Broken Arrow a Texas Ratio of 48.14% which is below average. 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 Broken Arrow decreased slightly from 62.30% as of September 30, 2010 to 48.14% as of September 30, 2011, resulting in a positive change of 22.72%.This indicates that the balance sheet and financial strength for First National Bank of Broken Arrow has improved slightly in recent periods. Deposit Growth In the past year, First National Bank of Broken Arrow has decreased its total deposits by -$1.66 million, resulting in -0.98% 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 Broken Arrow has shown is average. 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 Broken Arrow has $185.48 million in assets with $17.89 million in equity, resulting in a capitalization level of 9.65%, which is average.

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