First National Bank of Muskogee

First National Bank of Muskogee is headquartered in Muskogee and is the 81^st largest bank in the state of Oklahoma. It is also the 3,377^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 51 employees at 3 locations. First National Bank of Muskogee has a 4-star health rating.

First National Bank of Muskogee Routing Number: 103112947

Data for Q1 2012

Institution Statistics First National Bank of Muskogee FDIC Certificate # 57183 BankRate Report View Year Established 2001 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $181.04 million Loans $133.86 million Deposits $164.36 million Equity Capital $14.03 million Loan Loss Allowance $2.08 million Unbacked Noncurrent Loans $1.61 million Real Estate Owned $898,000 Historic Data - March 2011 Assets $161.57 million Equity Capital $13.98 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $803,000 Profit Margin - Quarterly Net Interest Margin 4.46% Return on Assets 1.34% Return on Equity 17.09% Interest Income $2.03 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 March 31, 2012 First National Bank of Muskogee had $2.5 million in non-current loans and owned real-estate with $16.11 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Muskogee a Texas Ratio of 15.55% 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 Muskogee held steady from 13.35% as of March 31, 2011 to 15.55% as of March 31, 2012, resulting in a negative change of 16.47%. This indicates that the balance sheet and financial strength for First National Bank of Muskogee has held steady in recent periods. Deposit Growth In the past year, First National Bank of Muskogee has increased its total deposits by $20.68 million, resulting in 14.39% 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 Muskogee 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 Muskogee has $181.04 million in assets with $16.11 million in equity, resulting in a capitalization level of 8.90%, which is average.

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