The First National Bank of Sycamore

The First National Bank of Sycamore is headquartered in Sycamore and is the 146^th largest bank in the state of Ohio. It is also the 4,697^th largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 26 employees at 3 locations. The First National Bank of Sycamore has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First National Bank of Sycamore FDIC Certificate # 6706 BankRate Report View Year Established 1919 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $111.02 million Loans $48.41 million Deposits $89.24 million Equity Capital $14.57 million Loan Loss Allowance $1.11 million Unbacked Noncurrent Loans $1.29 million Historic Data - March 2011 Assets $101.35 million Equity Capital $13.45 million Loan Loss Allowance $988,000 Unbacked Noncurrent Loans $2.53 million Profit Margin - Quarterly Net Interest Margin 3.3% Return on Assets 0.82% Return on Equity 6.14% Interest Income $1,000,000

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 Sycamore had $1.29 million in non-current loans and owned real-estate with $15.68 million in equity and loan loss allowances on hand to cover it. This gives The First National Bank of Sycamore a Texas Ratio of 8.21% 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 Sycamore decreased significantly from 17.54% as of March 31, 2011 to 8.21% as of March 31, 2012, resulting in a positive change of 53.20%.This indicates that the balance sheet and financial strength for The First National Bank of Sycamore has improved significantly in recent periods. Deposit Growth In the past year, The First National Bank of Sycamore has increased its total deposits by $8.64 million, resulting in 10.73% 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 Sycamore 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 Sycamore has $111.02 million in assets with $15.68 million in equity, resulting in a capitalization level of 14.12%, which is excellent.

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