1st Bank & Trust

1st Bank & Trust is headquartered in Broken Bow and is the 126^th largest bank in the state of Oklahoma. It is also the 4,692^nd largest bank in the nation. It was established in 1946 and as of December of 2011, it had grown to 40 employees at 4 locations. 1st Bank & Trust has a 5-star health rating.

1st Bank & Trust Routing Number: 103112659

Data for Q4 2011

Institution Statistics 1st Bank & Trust FDIC Certificate # 16419 BankRate Report View Year Established 1946 Employees 40 Primary Regulator FED Assets and Liabilities Assets $109.83 million Loans $53.31 million Deposits $97.62 million Equity Capital $11.79 million Loan Loss Allowance $848,000 Unbacked Noncurrent Loans $190,000 Real Estate Owned $172,000 Historic Data - December 2010 Assets $107.70 million Equity Capital $9.67 million Loan Loss Allowance $698,000 Unbacked Noncurrent Loans $219,000 Real Estate Owned $52,000 Profit Margin - Quarterly Net Interest Margin 4.91% Return on Assets 2.41% Return on Equity 24.87% Interest Income $5.10 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 December 31, 2011 1st Bank & Trust had $362,000 in non-current loans and owned real-estate with $12.64 million in equity and loan loss allowances on hand to cover it. This gives 1st Bank & Trust a Texas Ratio of 2.86% 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 1st Bank & Trust held steady from 2.61% as of December 31, 2010 to 2.86% as of December 31, 2011, resulting in a negative change of 9.58%. This indicates that the balance sheet and financial strength for 1st Bank & Trust has held steady in recent periods. Deposit Growth In the past year, 1st Bank & Trust has increased its total deposits by $26,000, resulting in 0.03% 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 1st Bank & Trust 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. 1st Bank & Trust has $109.83 million in assets with $12.64 million in equity, resulting in a capitalization level of 11.50%, which is above average.

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