The First National Bank of Fairbury

The First National Bank of Fairbury is headquartered in Fairbury and is the 66^th largest bank in the state of Nebraska. It is also the 3,841^st largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 35 employees at 3 locations. The First National Bank of Fairbury's savings rates are 44% higher than the national average, and it boasts a 5-star health rating.

The First National Bank of Fairbury Checking Account Rates

The First National Bank of Fairbury Savings Account Rates

The First National Bank of Fairbury Money Market Rates

The First National Bank of Fairbury CD Rates

Data for Q1 2012

Institution Statistics The First National Bank of Fairbury FDIC Certificate # 5400 BankRate Report View Year Established 1883 Employees 35 Primary Regulator OCC Assets and Liabilities Assets $152.12 million Loans $41.03 million Deposits $102.88 million Equity Capital $24.95 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $18,000 Real Estate Owned $200,000 Historic Data - March 2011 Assets $132.69 million Equity Capital $22.21 million Loan Loss Allowance $890,000 Unbacked Noncurrent Loans $8,000 Real Estate Owned $415,000 Profit Margin - Quarterly Net Interest Margin 3.9% Return on Assets 2.82% Return on Equity 17.33% Interest Income $1.56 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 of Fairbury had $218,000 in non-current loans and owned real-estate with $25.97 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Fairbury a Texas Ratio of 0.84% 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 of Fairbury decreased significantly from 1.83% as of March 31, 2011 to 0.84% as of March 31, 2012, resulting in a positive change of 54.16%.This indicates that the balance sheet and financial strength for The First National Bank of Fairbury has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Fairbury has increased its total deposits by $14.19 million, resulting in 16% 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 Fairbury 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 of Fairbury has $152.12 million in assets with $25.97 million in equity, resulting in a capitalization level of 17.07%, which is excellent.

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