First National Bank & Trust Company (AR)

First National Bank & Trust Company (AR) is headquartered in Mountain Home and is the 29^th largest bank in the state of Arkansas. It is also the 1,689^th largest bank in the nation. It was established in 1963 and as of March of 2012, it had grown to 119 employees at 8 locations. First National Bank & Trust Company (AR) has a 5-star health rating.

Data for Q1 2012

Institution Statistics First National Bank & Trust Company FDIC Certificate # 18979 BankRate Report View Year Established 1963 Employees 119 Primary Regulator OCC Assets and Liabilities Assets $395.08 million Loans $228.77 million Deposits $329.13 million Equity Capital $55.89 million Loan Loss Allowance $2.92 million Unbacked Noncurrent Loans $353,000 Real Estate Owned $845,000 Historic Data - March 2011 Assets $389.13 million Equity Capital $55.27 million Loan Loss Allowance $2.69 million Unbacked Noncurrent Loans $631,000 Real Estate Owned $19,000 Profit Margin - Quarterly Net Interest Margin 4.23% Return on Assets 1.24% Return on Equity 8.75% Interest Income $4.01 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 March 31, 2012 First National Bank & Trust Company (AR) had $1.2 million in non-current loans and owned real-estate with $58.8 million in equity and loan loss allowances on hand to cover it. This gives First National Bank & Trust Company (AR) a Texas Ratio of 2.04% 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 & Trust Company (AR) held steady from 1.12% as of March 31, 2011 to 2.04% as of March 31, 2012, resulting in a negative change of 81.64%. This indicates that the balance sheet and financial strength for First National Bank & Trust Company (AR) has held steady in recent periods. Deposit Growth In the past year, First National Bank & Trust Company (AR) has increased its total deposits by $5.46 million, resulting in 1.69% 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 & Trust Company (AR) 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 & Trust Company (AR) has $395.08 million in assets with $58.8 million in equity, resulting in a capitalization level of 14.88%, which is excellent.

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