The First, A National Banking Association

The First, A National Banking Association is headquartered in Hattiesburg and is the 12^st largest bank in the state of Mississippi. It is also the 919^st largest bank in the nation. It was established in 1996 and as of March of 2012, it had grown to 209 employees at 20 locations. The First, A National Banking Association has a 4-star health rating.

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Data for Q1 2012

Institution Statistics The First, A National Banking Association FDIC Certificate # 34217 BankRate Report View Year Established 1996 Employees 209 Primary Regulator OCC Assets and Liabilities Assets $720.80 million Loans $378.37 million Deposits $604.98 million Equity Capital $70.40 million Loan Loss Allowance $4.37 million Unbacked Noncurrent Loans $5.63 million Real Estate Owned $6.39 million Historic Data - March 2011 Assets $539.72 million Equity Capital $55.54 million Loan Loss Allowance $4.30 million Unbacked Noncurrent Loans $4.50 million Real Estate Owned $3.91 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.61% Return on Equity 6.11% Interest Income $6.66 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 First, A National Banking Association had $12.02 million in non-current loans and owned real-estate with $74.77 million in equity and loan loss allowances on hand to cover it. This gives The First, A National Banking Association a Texas Ratio of 16.07% 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 First, A National Banking Association held steady from 14.07% as of March 31, 2011 to 16.07% as of March 31, 2012, resulting in a negative change of 14.26%. This indicates that the balance sheet and financial strength for The First, A National Banking Association has held steady in recent periods. Deposit Growth In the past year, The First, A National Banking Association has increased its total deposits by $172.43 million, resulting in 39.86% 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 First, A National Banking Association 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 First, A National Banking Association has $720.8 million in assets with $74.77 million in equity, resulting in a capitalization level of 10.37%, which is above average.

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