First National Bank of Syracuse

First National Bank of Syracuse is headquartered in Syracuse and is the 68^th largest bank in the state of Kansas. It is also the 3,258^th largest bank in the nation. It was established in 1906 and as of September of 2011, it had grown to 54 employees at 4 locations. First National Bank of Syracuse's savings rates are 35% higher than the national average, and it boasts a 5-star health rating.

First National Bank of Syracuse Routing Number: 101103686

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Data for Q3 2011

Institution Statistics The First National Bank of Syracuse FDIC Certificate # 4779 BankRate Report View Year Established 1906 Employees 54 Primary Regulator OCC Assets and Liabilities Assets $187.96 million Loans $120.09 million Deposits $153.92 million Equity Capital $22.38 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $936,000 Real Estate Owned $652,000 Historic Data - September 2010 Assets $177.64 million Equity Capital $20.33 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $210,000 Real Estate Owned $777,000 Profit Margin - Quarterly Net Interest Margin 4.62% Return on Assets 1.05% Return on Equity 8.85% Interest Income $6.93 million

Institution Health Overall Score: 5 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 Syracuse had $1.59 million in non-current loans and owned real-estate with $24.1 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Syracuse a Texas Ratio of 6.59% which is excellent. 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 Syracuse held steady from 4.54% as of September 30, 2010 to 6.59% as of September 30, 2011, resulting in a negative change of 45.24%. This indicates that the balance sheet and financial strength for First National Bank of Syracuse has held steady in recent periods. Deposit Growth In the past year, First National Bank of Syracuse has increased its total deposits by $3.13 million, resulting in 2.08% 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 Syracuse 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 Syracuse has $187.96 million in assets with $24.1 million in equity, resulting in a capitalization level of 12.82%, which is excellent.

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