First National Bank of Pontotoc

First National Bank of Pontotoc is headquartered in Pontotoc and is the 36^th largest bank in the state of Mississippi. It is also the 2,523^rd largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 71 employees at 3 locations. First National Bank of Pontotoc has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The First National Bank of Pontotoc FDIC Certificate # 5006 BankRate Report View Year Established 1900 Employees 71 Primary Regulator OCC Assets and Liabilities Assets $256.47 million Loans $94.33 million Deposits $219.47 million Equity Capital $33.30 million Loan Loss Allowance $1.40 million Unbacked Noncurrent Loans $3.23 million Real Estate Owned $869,000 Historic Data - March 2011 Assets $249.68 million Equity Capital $32.30 million Loan Loss Allowance $1.73 million Unbacked Noncurrent Loans $2.47 million Real Estate Owned $1.01 million Profit Margin - Quarterly Net Interest Margin 3.19% Return on Assets 0.69% Return on Equity 5.15% Interest Income $2.20 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 Pontotoc had $4.09 million in non-current loans and owned real-estate with $34.7 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Pontotoc a Texas Ratio of 11.80% 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 Pontotoc held steady from 10.24% as of March 31, 2011 to 11.80% as of March 31, 2012, resulting in a negative change of 15.22%. This indicates that the balance sheet and financial strength for First National Bank of Pontotoc has held steady in recent periods. Deposit Growth In the past year, First National Bank of Pontotoc has increased its total deposits by $3.66 million, resulting in 1.7% 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 Pontotoc 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 Pontotoc has $256.47 million in assets with $34.7 million in equity, resulting in a capitalization level of 13.53%, which is excellent.

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