The First National Bank of Bells/Savoy

The First National Bank of Bells/Savoy is headquartered in Bells and is the 529^th largest bank in the state of Texas. It is also the 6,491^st largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 14 employees at 2 locations. The First National Bank of Bells/Savoy has a 4-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank of Bells/Savoy FDIC Certificate # 3098 BankRate Report View Year Established 1904 Employees 14 Primary Regulator OCC Assets and Liabilities Assets $45.59 million Loans $20.42 million Deposits $38.66 million Equity Capital $6.69 million Loan Loss Allowance $259,000 Unbacked Noncurrent Loans $261,000 Real Estate Owned $341,000 Historic Data - March 2011 Assets $45.18 million Equity Capital $6.70 million Loan Loss Allowance $265,000 Unbacked Noncurrent Loans $10,000 Real Estate Owned $353,000 Profit Margin - Quarterly Net Interest Margin 3.5% Return on Assets -0.62% Return on Equity -4.16% Interest Income $441,000

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 of Bells/Savoy had $602,000 in non-current loans and owned real-estate with $6.95 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Bells/Savoy a Texas Ratio of 8.66% which is above 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 of Bells/Savoy held steady from 5.21% as of March 31, 2011 to 8.66% as of March 31, 2012, resulting in a negative change of 66.17%. This indicates that the balance sheet and financial strength for The First National Bank of Bells/Savoy has held steady in recent periods. Deposit Growth In the past year, The First National Bank of Bells/Savoy has increased its total deposits by $396,000, resulting in 1.03% 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 of Bells/Savoy 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 of Bells/Savoy has $45.59 million in assets with $6.95 million in equity, resulting in a capitalization level of 15.25%, which is excellent.

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