1st Financial Bank USA

1st Financial Bank USA is headquartered in Dakota Dunes and is the 14^st largest bank in the state of South Dakota. It is also the 1,315^st largest bank in the nation. It was established in 1910 and as of December of 2011, it had grown to 446 employees at 2 locations. 1st Financial Bank USA has a 5-star health rating.

Data for Q4 2011

Institution Statistics 1st Financial Bank USA FDIC Certificate # 1673 BankRate Report View Year Established 1910 Employees 446 Primary Regulator FDIC Assets and Liabilities Assets $515.59 million Loans $88.68 million Deposits $366.86 million Equity Capital $108.74 million Loan Loss Allowance $5.19 million Unbacked Noncurrent Loans $2.08 million Real Estate Owned $89,000 Historic Data - December 2010 Assets $481.72 million Equity Capital $106.41 million Loan Loss Allowance $5.79 million Unbacked Noncurrent Loans $1.96 million Real Estate Owned $89,000 Profit Margin - Quarterly Net Interest Margin 19.91% Return on Assets 1.25% Return on Equity 5.81% Interest Income $82.20 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 Financial Bank USA had $2.17 million in non-current loans and owned real-estate with $113.94 million in equity and loan loss allowances on hand to cover it. This gives 1st Financial Bank USA a Texas Ratio of 1.90% 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 Financial Bank USA held steady from 1.83% as of December 31, 2010 to 1.90% as of December 31, 2011, resulting in a negative change of 3.95%. This indicates that the balance sheet and financial strength for 1st Financial Bank USA has held steady in recent periods. Deposit Growth In the past year, 1st Financial Bank USA has increased its total deposits by $36.17 million, resulting in 10.94% 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 Financial Bank USA 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. 1st Financial Bank USA has $515.59 million in assets with $113.94 million in equity, resulting in a capitalization level of 22.10%, which is excellent.

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