The First National Bank of Grayson

The First National Bank of Grayson Locations

200 South Carol Malone Boulevard
Grayson, KY 41143
www.fnbgrayson.com

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The First National Bank of Grayson is headquartered in Grayson and is the 59^th largest bank in the state of Kentucky. It is also the 2,786^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 88 employees at 7 locations. The First National Bank of Grayson has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

The First National Bank of Grayson Checking Account Rates

	Apy	Min	Max	Product
	0.15%	$50k	-	NOW Account

The First National Bank of Grayson Savings Account Rates

	Apy	Min	Max	Product
	0.15%	$50	-	Saving Account

The First National Bank of Grayson Money Market Rates

Apy	Min	Max	Product
0.15%	$2,500	-	Money Market Saving
0.15%	$25k	-	Super Money Market Saving

The First National Bank of Grayson CD Rates

Apy	Min	Max	Product
1.00%	$100k	-	3 to 4 Year Jumbo CD
0.95%	$100k	-	3 Year Bump Jumbo CD
0.90%	$500	-	3 to 4 Year CD
0.85%	$500	-	3 Year Bump CD
0.60%	$100k	-	2 to 3 Year Jumbo CD
0.55%	$500	-	2 to 3 Year CD
0.55%	$100k	-	2 Year Bump Jumbo CD
0.50%	$500	-	2 Year Bump CD
0.35%	$100k	-	1 to 2 Year Jumbo CD
0.30%	$500	-	1 to 2 Year CD
0.25%	$100k	-	182 Day to 1 Year Jumbo CD
0.20%	$500	-	182 Day to 1 Year CD
0.15%	$100k	-	30 to 89 Day Jumbo CD
0.15%	$100k	-	90 to 89 Day Jumbo CD
0.10%	$500	-	30 to 89 Day CD
0.10%	$500	-	90 to 89 Day CD

The First National Bank of Grayson IRA Rates

Apy	Min	Max	Product
1.00%	$100k	-	3 to 4 Year Jumbo IRA
1.00%	$100k	-	3 to 4 Year Jumbo Roth IRA
1.00%	$100k	-	3 to 4 Year Jumbo Educational IRA
0.95%	$100k	-	3 Year Bump Jumbo IRA
0.95%	$100k	-	3 Year Bump Jumbo Roth IRA
0.95%	$100k	-	3 Year Bump Jumbo Educational IRA
0.90%	$500	-	3 to 4 Year IRA
0.90%	$500	-	3 to 4 Year Roth IRA
0.90%	$500	-	3 to 4 Year Educational IRA
0.85%	$500	-	3 Year Bump IRA
0.85%	$500	-	3 Year Bump Roth IRA
0.85%	$500	-	3 Year Bump Educational IRA
0.60%	$100k	-	2 to 3 Year Jumbo IRA
0.60%	$100k	-	2 to 3 Year Jumbo Roth IRA
0.60%	$100k	-	2 to 3 Year Jumbo Educational IRA
0.55%	$500	-	2 to 3 Year IRA
0.55%	$100k	-	2 Year Bump Jumbo IRA
0.55%	$100k	-	2 Year Bump Jumbo Roth IRA
0.55%	$500	-	2 to 3 Year Roth IRA
0.55%	$100k	-	2 Year Bump Jumbo Educational IRA
0.55%	$500	-	2 to 3 Year Educational IRA
0.50%	$500	-	2 Year Bump IRA
0.50%	$500	-	2 Year Bump Roth IRA
0.50%	$500	-	2 Year Bump Educational IRA
0.30%	$500	-	1 to 2 Year IRA
0.30%	$100k	-	1 to 2 Year Jumbo IRA
0.30%	$500	-	1 to 2Year Roth IRA
0.30%	$100k	-	1 to 2 Year Jumbo Roth IRA
0.30%	$500	-	1 to 2 Year Educational IRA
0.30%	$100k	-	1 to 2 Year Jumbo Educational IRA
0.15%	$500	-	18 Month Variable IRA
0.15%	$500	-	18 Month Variable Roth IRA
0.15%	$500	-	18 Month Variable Educational IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The First National Bank of Grayson
FDIC Certificate #	2695
BankRate Report	View
Year Established	1902
Employees	88
Primary Regulator	OCC
Assets and Liabilities
Assets	$228.87 million
Loans	$112.22 million
Deposits	$206.23 million
Equity Capital	$19.60 million
Loan Loss Allowance	$1.47 million
Unbacked Noncurrent Loans	$638,000
Real Estate Owned	$182,000
Historic Data - March 2011
Assets	$228.94 million
Equity Capital	$18.25 million
Loan Loss Allowance	$1.48 million
Unbacked Noncurrent Loans	$749,000
Real Estate Owned	$129,000
Profit Margin - Quarterly
Net Interest Margin	3.78%
Return on Assets	1.3%
Return on Equity	14.98%
Interest Income	$2.18 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 of Grayson had $820,000 in non-current loans and owned real-estate with $21.08 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Grayson a Texas Ratio of 3.89% 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 Grayson held steady from 4.45% as of March 31, 2011 to 3.89% as of March 31, 2012, resulting in a positive change of 12.58%.This indicates that the balance sheet and financial strength for The First National Bank of Grayson has held steady in recent periods.
Deposit Growth
In the past year, The First National Bank of Grayson has increased its total deposits by $1.52 million, resulting in 0.74% 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 Grayson has shown is 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 Grayson has $228.87 million in assets with $21.08 million in equity, resulting in a capitalization level of 9.21%, which is average.

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