First National Bank of Wynne

528 E. Merriman Ave
Wayne, AR 72396
870-238-2361
www.fnbwynne.com
 
Report an Issue

Checking Accounts

ApyMinMaxProduct
3.55%-$25kFirst Reward Checking

Institution Statistics


FDIC Certificate #3897
OCC #10807
BankRate ReportView
Year Established1915
Employees81
Primary RegulatorOCC

Assets and Liabilities

Assets$272.03 million
Loans$139.01 million
Deposits$234.37 million
Equity Capital$34.60 million
Loan Loss Allowance$2.22 million
Unbacked Noncurrent Loans$4.24 million
Real Estate Owned$848,000

Historic Data - March 2009

Assets$271.52 million
Equity Capital$31.85 million
Loan Loss Allowance$2.22 million
Unbacked Noncurrent Loans$6.85 million
Real Estate Owned$2,000

Profit Margin - Quarterly

Net Interest Margin3.95%
Return on Assets0.55%
Return on Equity4.42%
Interest Income$3.09 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio5
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, 2010 First National Bank of Wynne had $5.09 million in non-current loans and owned real-estate with $36.82 million in equity and loan loss allowances on hand to cover it. This gives First National Bank of Wynne a Texas Ratio of 13.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend4
The Texas Ratio for First National Bank of Wynne decreased slightly from 20.11% as of March 31, 2009 to 13.82% as of March 31, 2010, resulting in a positive change of 31.27%.This indicates that the balance sheet and financial strength for First National Bank of Wynne has improved slightly in recent periods.
Deposit Growth3
In the past year, First National Bank of Wynne has increased it's total deposits by $2.49 million, resulting in 1.07% 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 Wynne has shown is average.
Capitalization3
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 Wynne has $272.03 million in assets with $36.82 million in equity, resulting in a capitalization level of 13.54%, which is average.
Write Review

No reviews have been left for this bank yet. Be the first to review.