The First National Bank of Hughes Springs

The First National Bank of Hughes Springs is headquartered in Hughes Springs and is the 254^th largest bank in the state of Texas. It is also the 3,204^th largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 83 employees at 11 locations. The First National Bank of Hughes Springs has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank of Hughes Springs FDIC Certificate # 3268 BankRate Report View Year Established 1903 Employees 83 Primary Regulator OCC Assets and Liabilities Assets $194.10 million Loans $110.04 million Deposits $164.35 million Equity Capital $29.40 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $162,000 Real Estate Owned $473,000 Historic Data - March 2011 Assets $193.84 million Equity Capital $21.40 million Loan Loss Allowance $1.59 million Unbacked Noncurrent Loans $1.59 million Real Estate Owned $353,000 Profit Margin - Quarterly Net Interest Margin 5.6% Return on Assets 2.26% Return on Equity 14.86% Interest Income $2.51 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 Hughes Springs had $635,000 in non-current loans and owned real-estate with $31.12 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Hughes Springs a Texas Ratio of 2.04% 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 Hughes Springs decreased significantly from 8.44% as of March 31, 2011 to 2.04% as of March 31, 2012, resulting in a positive change of 75.81%.This indicates that the balance sheet and financial strength for The First National Bank of Hughes Springs has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Hughes Springs has decreased its total deposits by -$7.62 million, resulting in -4.43% 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 Hughes Springs has shown is below 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 Hughes Springs has $194.1 million in assets with $31.12 million in equity, resulting in a capitalization level of 16.03%, which is excellent.

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