De Witt Bank & Trust Co.

De Witt Bank & Trust Co. is headquartered in De Witt and is the 162^nd largest bank in the state of Iowa. It is also the 4,455^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 41 employees at 1 location. De Witt Bank & Trust Co. has a 4-star health rating.

Data for Q1 2012

Institution Statistics De Witt Bank & Trust Co. FDIC Certificate # 14705 BankRate Report View Year Established 1933 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $120.48 million Loans $83.49 million Deposits $105.07 million Equity Capital $13.06 million Loan Loss Allowance $1.18 million Unbacked Noncurrent Loans $2.06 million Historic Data - March 2011 Assets $121.04 million Equity Capital $12.06 million Loan Loss Allowance $1.16 million Unbacked Noncurrent Loans $2.18 million Profit Margin - Quarterly Net Interest Margin 3.56% Return on Assets 2.34% Return on Equity 21.74% Interest Income $1.26 million

Institution Health Overall Score: 4 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 De Witt Bank & Trust Co. had $2.06 million in non-current loans and owned real-estate with $14.23 million in equity and loan loss allowances on hand to cover it. This gives De Witt Bank & Trust Co. a Texas Ratio of 14.46% 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 De Witt Bank & Trust Co. held steady from 16.60% as of March 31, 2011 to 14.46% as of March 31, 2012, resulting in a positive change of 12.91%.This indicates that the balance sheet and financial strength for De Witt Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, De Witt Bank & Trust Co. has decreased its total deposits by $-8,000, resulting in -0.01% 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 De Witt Bank & 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. De Witt Bank & Trust Co. has $120.48 million in assets with $14.23 million in equity, resulting in a capitalization level of 11.81%, which is above average.

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