First National Bank of Clinton

First National Bank of Clinton is headquartered in Clinton and is the 244^th largest bank in the state of Missouri. It is also the 5,802^nd largest bank in the nation. It was established in 1946 and as of March of 2012, it had grown to 21 employees at 3 locations. First National Bank of Clinton has a 4-star health rating.

Data for Q1 2012

Institution Statistics First National Bank of Clinton FDIC Certificate # 16347 BankRate Report View Year Established 1946 Employees 21 Primary Regulator OCC Assets and Liabilities Assets $68.91 million Loans $35.15 million Deposits $54.73 million Equity Capital $10.33 million Loan Loss Allowance $615,000 Unbacked Noncurrent Loans $564,000 Real Estate Owned $1.02 million Historic Data - March 2011 Assets $71.08 million Equity Capital $9.66 million Loan Loss Allowance $696,000 Unbacked Noncurrent Loans $434,000 Real Estate Owned $1.24 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 0.76% Return on Equity 5.14% Interest Income $695,000

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 of Clinton had $1.58 million in non-current loans and owned real-estate with $10.94 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Clinton a Texas Ratio of 14.44% which is above 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 Clinton held steady from 16.15% as of March 31, 2011 to 14.44% as of March 31, 2012, resulting in a positive change of 10.58%.This indicates that the balance sheet and financial strength for First National Bank of Clinton has held steady in recent periods. Deposit Growth In the past year, First National Bank of Clinton has decreased its total deposits by $-419,000, resulting in -0.76% 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 Clinton 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 Clinton has $68.91 million in assets with $10.94 million in equity, resulting in a capitalization level of 15.88%, which is excellent.

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