The First National Bank of Shiner

The First National Bank of Shiner is headquartered in Shiner and is the 251^st largest bank in the state of Texas. It is also the 3,113^st largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 28 employees at 1 location. The First National Bank of Shiner has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank of Shiner FDIC Certificate # 5529 BankRate Report View Year Established 1900 Employees 28 Primary Regulator OCC Assets and Liabilities Assets $200.00 million Loans $44.78 million Deposits $175.77 million Equity Capital $21.78 million Loan Loss Allowance $796,000 Unbacked Noncurrent Loans $119,000 Historic Data - March 2011 Assets $147.96 million Equity Capital $15.84 million Loan Loss Allowance $529,000 Unbacked Noncurrent Loans $134,000 Profit Margin - Quarterly Net Interest Margin 3.08% Return on Assets 1.5% Return on Equity 13.8% Interest Income $1.89 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 Shiner had $119,000 in non-current loans and owned real-estate with $22.57 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Shiner a Texas Ratio of 0.53% 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 Shiner decreased slightly from 0.82% as of March 31, 2011 to 0.53% as of March 31, 2012, resulting in a positive change of 35.60%.This indicates that the balance sheet and financial strength for The First National Bank of Shiner has improved slightly in recent periods. Deposit Growth In the past year, The First National Bank of Shiner has increased its total deposits by $44.98 million, resulting in 34.39% 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 Shiner 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 Shiner has $200 million in assets with $22.57 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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