Institution Statistics
| FDIC Certificate # | 3191 | | OCC # | 11700 | | BankRate Report | View | | Year Established | 1920 | | Employees | 93 | | Primary Regulator | OCC |
Assets and Liabilities | | Assets | $309.70 million | | Loans | $198.67 million | | Deposits | $250.24 million | | Equity Capital | $23.92 million | | Loan Loss Allowance | $2.11 million | | Unbacked Noncurrent Loans | $3.39 million |
Historic Data - March 2009 | | Assets | $276.83 million | | Equity Capital | $21.17 million | | Loan Loss Allowance | $2.11 million | | Unbacked Noncurrent Loans | $1.29 million | | Real Estate Owned | $16,000 |
Profit Margin - Quarterly | | Net Interest Margin | 4.28% | | Return on Assets | 2.46% | | Return on Equity | 32.4% | | Interest Income | $3.84 million |
|
|
Institution Health
Overall Score:
3 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, 2010 First National Bank (TX) had $3.39 million in non-current loans and owned real-estate with $26.02 million in equity and loan loss allowances on hand to cover it. This gives First National Bank (TX) a Texas Ratio of 13.04% 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 (TX) increased dramatically from 5.60% as of March 31, 2009 to 13.04% as of March 31, 2010, resulting in a negative change of 132.97%. This indicates that the balance sheet and financial strength for First National Bank (TX) has declined dramatically in recent periods. | | Deposit Growth | | | In the past year, First National Bank (TX) has increased it's total deposits by $30.08 million, resulting in 13.66% 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 (TX) 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 (TX) has $309.7 million in assets with $26.02 million in equity, resulting in a capitalization level of 8.40%, which is below average. |
|
