First National Bank of Pulaski

First National Bank of Pulaski is headquartered in Pulaski and is the 20^th largest bank in the state of Tennessee. It is also the 1,012^st largest bank in the nation. It was established in 1938 and as of March of 2012, it had grown to 167 employees at 12 locations. First National Bank of Pulaski has a 4-star health rating.

First National Bank of Pulaski Routing Number: 064103228

Data for Q1 2012

Institution Statistics First National Bank of Pulaski FDIC Certificate # 15572 BankRate Report View Year Established 1938 Employees 167 Primary Regulator OCC Assets and Liabilities Assets $654.34 million Loans $330.37 million Deposits $579.83 million Equity Capital $59.54 million Loan Loss Allowance $7.18 million Unbacked Noncurrent Loans $9.66 million Real Estate Owned $7.16 million Historic Data - March 2011 Assets $619.08 million Equity Capital $53.69 million Loan Loss Allowance $8.17 million Unbacked Noncurrent Loans $12.97 million Real Estate Owned $10.59 million Profit Margin - Quarterly Net Interest Margin 4.02% Return on Assets 1.47% Return on Equity 15.98% Interest Income $7.02 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 Pulaski had $16.82 million in non-current loans and owned real-estate with $66.71 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Pulaski a Texas Ratio of 25.21% 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 Pulaski decreased slightly from 38.09% as of March 31, 2011 to 25.21% as of March 31, 2012, resulting in a positive change of 33.81%.This indicates that the balance sheet and financial strength for First National Bank of Pulaski has improved slightly in recent periods. Deposit Growth In the past year, First National Bank of Pulaski has increased its total deposits by $29.18 million, resulting in 5.3% 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 Pulaski 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 Pulaski has $654.34 million in assets with $66.71 million in equity, resulting in a capitalization level of 10.20%, which is above average.

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