The First National Bank and Trust Company of Vinita

The First National Bank and Trust Company of Vinita is headquartered in Vinita and is the 47^th largest bank in the state of Oklahoma. It is also the 2,549^th largest bank in the nation. It was established in 1892 and as of March of 2012, it had grown to 74 employees at 4 locations. The First National Bank and Trust Company of Vinita has a 4-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank and Trust Company of Vinita FDIC Certificate # 4218 BankRate Report View Year Established 1892 Employees 74 Primary Regulator OCC Assets and Liabilities Assets $252.89 million Loans $141.59 million Deposits $214.42 million Equity Capital $25.80 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $4.20 million Real Estate Owned $1.88 million Historic Data - March 2011 Assets $229.58 million Equity Capital $20.22 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $3.45 million Real Estate Owned $1.31 million Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 1.54% Return on Equity 14.38% Interest Income $2.93 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 National Bank and Trust Company of Vinita had $6.08 million in non-current loans and owned real-estate with $27.78 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank and Trust Company of Vinita a Texas Ratio of 21.88% 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 National Bank and Trust Company of Vinita held steady from 21.47% as of March 31, 2011 to 21.88% as of March 31, 2012, resulting in a negative change of 1.92%. This indicates that the balance sheet and financial strength for The First National Bank and Trust Company of Vinita has held steady in recent periods. Deposit Growth In the past year, The First National Bank and Trust Company of Vinita has increased its total deposits by $18.84 million, resulting in 9.63% 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 Vinita 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 National Bank and Trust Company of Vinita has $252.89 million in assets with $27.78 million in equity, resulting in a capitalization level of 10.98%, which is above average.

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