Helena National Bank

Helena National Bank is headquartered in Helena and is the 66^th largest bank in the state of Arkansas. It is also the 3,408^th largest bank in the nation. It was established in 1940 and as of March of 2012, it had grown to 51 employees at 6 locations. Helena National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics Helena National Bank FDIC Certificate # 15729 BankRate Report View Year Established 1940 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $179.17 million Loans $72.06 million Deposits $153.56 million Equity Capital $25.14 million Loan Loss Allowance $1.81 million Unbacked Noncurrent Loans $1.96 million Real Estate Owned $507,000 Historic Data - March 2011 Assets $174.20 million Equity Capital $22.99 million Loan Loss Allowance $1.26 million Unbacked Noncurrent Loans $2.24 million Real Estate Owned $14,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 0.92% Return on Equity 6.5% Interest Income $1.58 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 Helena National Bank had $2.46 million in non-current loans and owned real-estate with $26.94 million in equity and loan loss allowances on hand to cover it. This gives Helena National Bank a Texas Ratio of 9.15% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Helena National Bank held steady from 9.29% as of March 31, 2011 to 9.15% as of March 31, 2012, resulting in a positive change of 1.50%.This indicates that the balance sheet and financial strength for Helena National Bank has held steady in recent periods. Deposit Growth In the past year, Helena National Bank has increased its total deposits by $2.47 million, resulting in 1.64% 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 Helena National Bank has shown is above 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. Helena National Bank has $179.16 million in assets with $26.94 million in equity, resulting in a capitalization level of 15.04%, which is excellent.

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