First National Banking Company

First National Banking Company is headquartered in Ash Flat and is the 36^th largest bank in the state of Arkansas. It is also the 1,875^th largest bank in the nation. It was established in 1912 and as of March of 2012, it had grown to 111 employees at 15 locations. First National Banking Company's savings rates are 3X the national average, and it has a 4-star health rating.

First National Banking Company Routing Number: 082904991

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Data for Q1 2012

Institution Statistics First National Banking Company FDIC Certificate # 1294 BankRate Report View Year Established 1912 Employees 111 Primary Regulator OCC Assets and Liabilities Assets $352.33 million Loans $215.16 million Deposits $295.54 million Equity Capital $36.07 million Loan Loss Allowance $3.93 million Unbacked Noncurrent Loans $6.15 million Historic Data - March 2011 Assets $364.41 million Equity Capital $34.68 million Loan Loss Allowance $3.47 million Unbacked Noncurrent Loans $6.89 million Real Estate Owned $3.71 million Profit Margin - Quarterly Net Interest Margin 4.77% Return on Assets 1.11% Return on Equity 11.15% Interest Income $4.59 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 Banking Company had $6.15 million in non-current loans and owned real-estate with $40 million in equity and loan loss allowances on hand to cover it. This gives First National Banking Company a Texas Ratio of 15.36% 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 Banking Company decreased significantly from 28.41% as of March 31, 2011 to 15.36% as of March 31, 2012, resulting in a positive change of 45.91%.This indicates that the balance sheet and financial strength for First National Banking Company has improved significantly in recent periods. Deposit Growth In the past year, First National Banking Company has decreased its total deposits by -$7.26 million, resulting in -2.4% 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 Banking Company has shown is below 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 Banking Company has $352.32 million in assets with $40 million in equity, resulting in a capitalization level of 11.35%, which is above average.

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