The First National Bank and Trust Company of Junction City, Kansas

The First National Bank and Trust Company of Junction City, Kansas is headquartered in Junction City and is the 122^nd largest bank in the state of Kansas. It is also the 4,754^th largest bank in the nation. It was established in 1886 and as of March of 2012, it had grown to 32 employees at 3 locations. The First National Bank and Trust Company of Junction City, Kansas has a 5-star health rating.

The First National Bank and Trust Company of Junction City, Kansas Checking Account Rates

The First National Bank and Trust Company of Junction City, Kansas Savings Account Rates

The First National Bank and Trust Company of Junction City, Kansas Money Market Rates

The First National Bank and Trust Company of Junction City, Kansas CD Rates

Data for Q1 2012

Institution Statistics The First National Bank and Trust Company of Junction City, Kansas FDIC Certificate # 4701 BankRate Report View Year Established 1886 Employees 32 Primary Regulator OCC Assets and Liabilities Assets $108.40 million Loans $41.73 million Deposits $76.35 million Equity Capital $14.20 million Loan Loss Allowance $726,000 Unbacked Noncurrent Loans $178,000 Real Estate Owned $399,000 Historic Data - March 2011 Assets $104.70 million Equity Capital $13.16 million Loan Loss Allowance $677,000 Unbacked Noncurrent Loans $35,000 Real Estate Owned $468,000 Profit Margin - Quarterly Net Interest Margin 3.03% Return on Assets 1.57% Return on Equity 11.96% Interest Income $1.12 million

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 National Bank and Trust Company of Junction City, Kansas had $577,000 in non-current loans and owned real-estate with $14.92 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank and Trust Company of Junction City, Kansas a Texas Ratio of 3.87% 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 National Bank and Trust Company of Junction City, Kansas held steady from 3.63% as of March 31, 2011 to 3.87% as of March 31, 2012, resulting in a negative change of 6.40%. This indicates that the balance sheet and financial strength for The First National Bank and Trust Company of Junction City, Kansas has held steady in recent periods. Deposit Growth In the past year, The First National Bank and Trust Company of Junction City, Kansas has increased its total deposits by $2.54 million, resulting in 3.44% 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 National Bank and Trust Company of Junction City, Kansas 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 National Bank and Trust Company of Junction City, Kansas has $108.4 million in assets with $14.92 million in equity, resulting in a capitalization level of 13.77%, which is excellent.

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