Davidson Trust Co.

Davidson Trust Co. is headquartered in Great Falls and is the 72^nd largest bank in the state of Montana. It is also the 7,297^th largest bank in the nation. It was established in 2001 and as of March of 2012, it had grown to 26 employees at 6 locations. Davidson Trust Co. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Davidson Trust Co. OTS # 16693 FDIC Certificate # 35510 BankRate Report View Year Established 2001 Employees 26 Primary Regulator OCC Assets and Liabilities Assets $5.34 million Deposits $500,000 Equity Capital $4.27 million Historic Data - March 2011 Assets $5.23 million Equity Capital $4.07 million Profit Margin - Quarterly Net Interest Margin 2.66% Return on Assets 5.23% Return on Equity 6.51% Interest Income $30,000

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 Davidson Trust Co. had $0 in non-current loans and owned real-estate with $4.27 million in equity and loan loss allowances on hand to cover it. This gives Davidson Trust Co. a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Deposit Growth In the past year, Davidson Trust Co. has increased its total deposits by $0, resulting in 0% 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 Davidson Trust Co. 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. Davidson Trust Co. has $5.34 million in assets with $4.27 million in equity, resulting in a capitalization level of 79.96%, which is excellent.

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