First National Bank of Fort Smith

First National Bank of Fort Smith is headquartered in Fort Smith and is the 10^st largest bank in the state of Arkansas. It is also the 619^st largest bank in the nation. It was established in 1872 and as of September of 2011, it had grown to 277 employees at 16 locations. First National Bank of Fort Smith has a 4-star health rating.

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Data for Q3 2011

Institution Statistics The First National Bank of Fort Smith FDIC Certificate # 3864 BankRate Report View Year Established 1872 Employees 277 Primary Regulator OCC Assets and Liabilities Assets $1.08 billion Loans $779.60 million Deposits $883.03 million Equity Capital $147.15 million Loan Loss Allowance $10.72 million Unbacked Noncurrent Loans $22.83 million Real Estate Owned $21.67 million Historic Data - September 2010 Assets $1.07 billion Equity Capital $146.84 million Loan Loss Allowance $11.19 million Unbacked Noncurrent Loans $14.71 million Real Estate Owned $22.74 million Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 1.18% Return on Equity 8.85% Interest Income $36.87 million

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 September 30, 2011 First National Bank of Fort Smith had $44.5 million in non-current loans and owned real-estate with $157.87 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Fort Smith a Texas Ratio of 28.19% which is 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 Fort Smith held steady from 23.70% as of September 30, 2010 to 28.19% as of September 30, 2011, resulting in a negative change of 18.93%. This indicates that the balance sheet and financial strength for First National Bank of Fort Smith has held steady in recent periods. Deposit Growth In the past year, First National Bank of Fort Smith has decreased its total deposits by -$2.9 million, resulting in -0.33% 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 Fort Smith 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 Fort Smith has $1.08 billion in assets with $157.87 million in equity, resulting in a capitalization level of 14.65%, which is excellent.

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