National Bank of Sallisaw

National Bank of Sallisaw is headquartered in Sallisaw and is the 122^nd largest bank in the state of Oklahoma. It is also the 4,579^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 32 employees at 3 locations. National Bank of Sallisaw has a 4-star health rating.

National Bank of Sallisaw Routing Number: 103112345

Data for Q1 2012

Institution Statistics National Bank of Sallisaw FDIC Certificate # 6008 BankRate Report View Year Established 1928 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $115.08 million Loans $53.94 million Deposits $100.80 million Equity Capital $13.47 million Loan Loss Allowance $751,000 Real Estate Owned $2.72 million Historic Data - March 2011 Assets $108.57 million Equity Capital $13.18 million Loan Loss Allowance $718,000 Unbacked Noncurrent Loans $47,000 Real Estate Owned $2.82 million Profit Margin - Quarterly Net Interest Margin 4.04% Return on Assets 1.27% Return on Equity 10.81% Interest Income $1.13 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 National Bank of Sallisaw had $2.72 million in non-current loans and owned real-estate with $14.22 million in equity and loan loss allowances on hand to cover it. This gives National Bank of Sallisaw a Texas Ratio of 19.10% 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 National Bank of Sallisaw held steady from 20.65% as of March 31, 2011 to 19.10% as of March 31, 2012, resulting in a positive change of 7.52%.This indicates that the balance sheet and financial strength for National Bank of Sallisaw has held steady in recent periods. Deposit Growth In the past year, National Bank of Sallisaw has increased its total deposits by $5.74 million, resulting in 6.03% 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 National Bank of Sallisaw 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. National Bank of Sallisaw has $115.08 million in assets with $14.22 million in equity, resulting in a capitalization level of 12.36%, which is excellent.

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