The First Central National Bank of St. Paris

The First Central National Bank of St. Paris is headquartered in St. Paris and is the 173^rd largest bank in the state of Ohio. It is also the 5,421^st largest bank in the nation. It was established in 1880 and as of March of 2012, it had grown to 25 employees at 4 locations. The First Central National Bank of St. Paris has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First Central National Bank of St. Paris FDIC Certificate # 15214 BankRate Report View Year Established 1880 Employees 25 Primary Regulator OCC Assets and Liabilities Assets $82.10 million Loans $46.46 million Deposits $67.58 million Equity Capital $13.60 million Loan Loss Allowance $515,000 Unbacked Noncurrent Loans $373,000 Real Estate Owned $83,000 Historic Data - March 2011 Assets $80.33 million Equity Capital $13.14 million Loan Loss Allowance $502,000 Unbacked Noncurrent Loans $886,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 0.72% Return on Equity 4.29% Interest Income $775,000

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 The First Central National Bank of St. Paris had $456,000 in non-current loans and owned real-estate with $14.11 million in equity and loan loss allowances on hand to cover it. This gives The First Central National Bank of St. Paris a Texas Ratio of 3.23% 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 The First Central National Bank of St. Paris decreased significantly from 6.50% as of March 31, 2011 to 3.23% as of March 31, 2012, resulting in a positive change of 50.27%.This indicates that the balance sheet and financial strength for The First Central National Bank of St. Paris has improved significantly in recent periods. Deposit Growth In the past year, The First Central National Bank of St. Paris has increased its total deposits by $1.32 million, resulting in 1.99% 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 Central National Bank of St. Paris 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. The First Central National Bank of St. Paris has $82.1 million in assets with $14.11 million in equity, resulting in a capitalization level of 17.19%, which is excellent.

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