First National Banker's Bank

First National Banker's Bank is headquartered in Baton Rouge and is the 9^th largest bank in the state of Louisiana. It is also the 714^st largest bank in the nation. It was established in 1984 and as of March of 2012, it had grown to 156 employees at 4 locations. First National Banker's Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics First National Banker's Bank FDIC Certificate # 25247 BankRate Report View Year Established 1984 Employees 156 Primary Regulator OCC Assets and Liabilities Assets $927.56 million Loans $336.65 million Deposits $387.95 million Equity Capital $135.59 million Loan Loss Allowance $12.77 million Unbacked Noncurrent Loans $24.04 million Real Estate Owned $4.81 million Historic Data - March 2011 Assets $913.92 million Equity Capital $131.79 million Loan Loss Allowance $13.53 million Unbacked Noncurrent Loans $13.52 million Real Estate Owned $5.71 million Profit Margin - Quarterly Net Interest Margin 2.19% Return on Assets 0.47% Return on Equity 3.09% Interest Income $5.04 million

Institution Health Overall Score: 4 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 Banker's Bank had $28.85 million in non-current loans and owned real-estate with $148.36 million in equity and loan loss allowances on hand to cover it. This gives First National Banker's Bank a Texas Ratio of 19.44% which is 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 Banker's Bank increased slightly from 13.24% as of March 31, 2011 to 19.44% as of March 31, 2012, resulting in a negative change of 46.89%. This indicates that the balance sheet and financial strength for First National Banker's Bank has declined slightly in recent periods. Deposit Growth In the past year, First National Banker's Bank has increased its total deposits by $24.54 million, resulting in 6.75% 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 Banker's Bank 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 Banker's Bank has $927.56 million in assets with $148.36 million in equity, resulting in a capitalization level of 15.99%, which is excellent.

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