The First National Bank of Jacksboro

The First National Bank of Jacksboro is headquartered in Jacksboro and is the 98^th largest bank in the state of Texas. It is also the 1,344^th largest bank in the nation. It was established in 1890 and as of March of 2012, it had grown to 80 employees at 5 locations. The First National Bank of Jacksboro's savings rates are 15% higher than the national average, and it boasts a 5-star health rating.

The First National Bank of Jacksboro Checking Account Rates

The First National Bank of Jacksboro Savings Account Rates

The First National Bank of Jacksboro Money Market Rates

The First National Bank of Jacksboro CD Rates

The First National Bank of Jacksboro IRA Rates

Data for Q1 2012

Institution Statistics The First National Bank of Jacksboro FDIC Certificate # 3274 BankRate Report View Year Established 1890 Employees 80 Primary Regulator OCC Assets and Liabilities Assets $505.28 million Loans $293.07 million Deposits $378.29 million Equity Capital $72.04 million Loan Loss Allowance $3.54 million Unbacked Noncurrent Loans $4.14 million Real Estate Owned $1.99 million Historic Data - March 2011 Assets $466.71 million Equity Capital $68.99 million Loan Loss Allowance $4.34 million Unbacked Noncurrent Loans $3.28 million Real Estate Owned $1.61 million Profit Margin - Quarterly Net Interest Margin 3.17% Return on Assets -0.02% Return on Equity -0.15% Interest Income $5.08 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 Jacksboro had $6.12 million in non-current loans and owned real-estate with $75.58 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Jacksboro a Texas Ratio of 8.10% 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 Jacksboro held steady from 6.66% as of March 31, 2011 to 8.10% as of March 31, 2012, resulting in a negative change of 21.64%. This indicates that the balance sheet and financial strength for The First National Bank of Jacksboro has held steady in recent periods. Deposit Growth In the past year, The First National Bank of Jacksboro has increased its total deposits by $32.63 million, resulting in 9.44% 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 Jacksboro 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 Jacksboro has $505.28 million in assets with $75.58 million in equity, resulting in a capitalization level of 14.96%, which is excellent.

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