First National Bank USA

First National Bank USA is headquartered in Boutte and is the 85^th largest bank in the state of Louisiana. It is also the 3,999^th largest bank in the nation. It was established in 1975 and as of March of 2012, it had grown to 48 employees at 3 locations. First National Bank USA has a 3-star health rating.

First National Bank USA Routing Number: 065402517

Data for Q1 2012

Institution Statistics First National Bank USA FDIC Certificate # 22046 BankRate Report View Year Established 1975 Employees 48 Primary Regulator OCC Assets and Liabilities Assets $143.14 million Loans $103.30 million Deposits $115.52 million Equity Capital $15.97 million Loan Loss Allowance $2.90 million Unbacked Noncurrent Loans $5.57 million Real Estate Owned $8.11 million Historic Data - March 2011 Assets $153.99 million Equity Capital $15.82 million Loan Loss Allowance $3.38 million Unbacked Noncurrent Loans $9.86 million Real Estate Owned $8.33 million Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 0.55% Return on Equity 4.94% Interest Income $1.68 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, 2012 First National Bank USA had $13.68 million in non-current loans and owned real-estate with $18.86 million in equity and loan loss allowances on hand to cover it. This gives First National Bank USA a Texas Ratio of 72.52% which is below 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 USA decreased slightly from 94.77% as of March 31, 2011 to 72.52% as of March 31, 2012, resulting in a positive change of 23.48%.This indicates that the balance sheet and financial strength for First National Bank USA has improved slightly in recent periods. Deposit Growth In the past year, First National Bank USA has decreased its total deposits by -$10.84 million, resulting in -8.58% 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 USA has shown is poor. 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 USA has $143.14 million in assets with $18.86 million in equity, resulting in a capitalization level of 13.18%, which is excellent.

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