First National Bank of Central Texas

First National Bank of Central Texas is headquartered in Waco and is the 76^th largest bank in the state of Texas. It is also the 1,073^rd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 95 employees at 5 locations. First National Bank of Central Texas' money market rates are 70% higher than the national average, and it boasts a 5-star health rating.

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First National Bank of Central Texas Money Market Rates

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Data for Q1 2012

Institution Statistics First National Bank of Central Texas FDIC Certificate # 3325 BankRate Report View Year Established 1901 Employees 95 Primary Regulator OCC Assets and Liabilities Assets $623.07 million Loans $461.46 million Deposits $555.92 million Equity Capital $51.93 million Loan Loss Allowance $6.98 million Unbacked Noncurrent Loans $2.42 million Real Estate Owned $659,000 Historic Data - March 2011 Assets $578.84 million Equity Capital $46.14 million Loan Loss Allowance $5.56 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $816,000 Profit Margin - Quarterly Net Interest Margin 3.89% Return on Assets 2.98% Return on Equity 36.11% Interest Income $6.72 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 of Central Texas had $3.08 million in non-current loans and owned real-estate with $58.91 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Central Texas a Texas Ratio of 5.22% 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 of Central Texas held steady from 5.90% as of March 31, 2011 to 5.22% as of March 31, 2012, resulting in a positive change of 11.54%.This indicates that the balance sheet and financial strength for First National Bank of Central Texas has held steady in recent periods. Deposit Growth In the past year, First National Bank of Central Texas has increased its total deposits by $40.8 million, resulting in 7.92% 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 Central Texas 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 of Central Texas has $623.07 million in assets with $58.91 million in equity, resulting in a capitalization level of 9.46%, which is average.

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