First Pioneer National Bank

First Pioneer National Bank is headquartered in Wray and is the 52^nd largest bank in the state of Colorado. It is also the 3,581^st largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 28 employees at 2 locations. First Pioneer National Bank's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

First Pioneer National Bank Routing Number: 102101315

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Data for Q1 2012

Institution Statistics First Pioneer National Bank FDIC Certificate # 3063 BankRate Report View Year Established 1902 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $167.22 million Loans $66.50 million Deposits $139.38 million Equity Capital $19.50 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $1.29 million Real Estate Owned $285,000 Historic Data - March 2011 Assets $149.91 million Equity Capital $18.14 million Loan Loss Allowance $1.14 million Unbacked Noncurrent Loans $2.38 million Profit Margin - Quarterly Net Interest Margin 2.5% Return on Assets 0.63% Return on Equity 5.26% Interest Income $1.28 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 Pioneer National Bank had $1.57 million in non-current loans and owned real-estate with $20.74 million in equity and loan loss allowances on hand to cover it. This gives First Pioneer National Bank a Texas Ratio of 7.59% 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 Pioneer National Bank decreased slightly from 12.14% as of March 31, 2011 to 7.59% as of March 31, 2012, resulting in a positive change of 37.50%.This indicates that the balance sheet and financial strength for First Pioneer National Bank has improved slightly in recent periods. Deposit Growth In the past year, First Pioneer National Bank has increased its total deposits by $13.95 million, resulting in 11.12% 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 Pioneer National 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 Pioneer National Bank has $167.22 million in assets with $20.74 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

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