The Falls City National Bank

The Falls City National Bank is headquartered in Falls City and is the 229^th largest bank in the state of Texas. It is also the 2,905^th largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 27 employees at 3 locations. The Falls City National Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The Falls City National Bank FDIC Certificate # 3193 BankRate Report View Year Established 1907 Employees 27 Primary Regulator OCC Assets and Liabilities Assets $219.28 million Loans $78.90 million Deposits $200.12 million Equity Capital $18.62 million Loan Loss Allowance $1.42 million Unbacked Noncurrent Loans $3.21 million Real Estate Owned $2.72 million Historic Data - March 2011 Assets $170.43 million Equity Capital $17.59 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $3.64 million Real Estate Owned $2.78 million Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets 1.25% Return on Equity 14.32% Interest Income $1.77 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 The Falls City National Bank had $5.92 million in non-current loans and owned real-estate with $20.04 million in equity and loan loss allowances on hand to cover it. This gives The Falls City National Bank a Texas Ratio of 29.55% 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 The Falls City National Bank held steady from 34.05% as of March 31, 2011 to 29.55% as of March 31, 2012, resulting in a positive change of 13.23%.This indicates that the balance sheet and financial strength for The Falls City National Bank has held steady in recent periods. Deposit Growth In the past year, The Falls City National Bank has increased its total deposits by $47.8 million, resulting in 31.38% 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 The Falls City 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. The Falls City National Bank has $219.28 million in assets with $20.04 million in equity, resulting in a capitalization level of 9.14%, which is average.

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