First National Bank of Broken Arrow

First National Bank of Broken Arrow is headquartered in Broken Arrow and is the 86^th largest bank in the state of Oklahoma. It is also the 3,277^th largest bank in the nation. It was established in 1904 and as of December of 2012, it had grown to 55 employees at 4 locations. First National Bank of Broken Arrow has a 3-star health rating.

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Data for Q4 2012

Institution Statistics The First National Bank and Trust Company of Broken Arrow FDIC Certificate # 4050 BankRate Report View Year Established 1904 Employees 55 Primary Regulator OCC Assets and Liabilities Assets $186.67 million Loans $92.37 million Deposits $169.21 million Equity Capital $16.34 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $3.88 million Real Estate Owned $6.47 million Historic Data - December 2011 Assets $181.73 million Equity Capital $15.72 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $4.18 million Real Estate Owned $4.82 million Profit Margin - Quarterly Net Interest Margin 3.35% Return on Assets 0.31% Return on Equity 3.54% Interest Income $6.27 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 December 31, 2012 First National Bank of Broken Arrow had $10.36 million in non-current loans and owned real-estate with $18.31 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Broken Arrow a Texas Ratio of 56.57% 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 held steady from 50.03% as of December 31, 2011 to 56.57% as of December 31, 2012, resulting in a negative change of 13.06%. This indicates that the balance sheet and financial strength for First National Bank of Broken Arrow has held steady in recent periods. Deposit Growth In the past year, First National Bank of Broken Arrow has increased its total deposits by $4.59 million, resulting in 2.79% 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 above 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 $186.67 million in assets with $18.31 million in equity, resulting in a capitalization level of 9.81%, which is average.

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