Finance and Thrift Company

Finance and Thrift Company is headquartered in Porterville and is the 201^st largest bank in the state of California. It is also the 4,271^st largest bank in the nation. It was established in 1925 and as of March of 2012, it had grown to 83 employees at 6 locations. Finance and Thrift Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Finance and Thrift Company FDIC Certificate # 25870 BankRate Report View Year Established 1925 Employees 83 Primary Regulator FDIC Assets and Liabilities Assets $129.08 million Loans $95.36 million Deposits $97.76 million Equity Capital $28.80 million Loan Loss Allowance $2.92 million Unbacked Noncurrent Loans $701,000 Real Estate Owned $100,000 Historic Data - March 2011 Assets $120.57 million Equity Capital $26.36 million Loan Loss Allowance $3.42 million Unbacked Noncurrent Loans $757,000 Profit Margin - Quarterly Net Interest Margin 13.66% Return on Assets 2.18% Return on Equity 9.89% Interest Income $4.37 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 March 31, 2012 Finance and Thrift Company had $801,000 in non-current loans and owned real-estate with $31.71 million in equity and loan loss allowances on hand to cover it. This gives Finance and Thrift Company a Texas Ratio of 2.53% 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 Finance and Thrift Company held steady from 2.54% as of March 31, 2011 to 2.53% as of March 31, 2012, resulting in a positive change of 0.67%.This indicates that the balance sheet and financial strength for Finance and Thrift Company has held steady in recent periods. Deposit Growth In the past year, Finance and Thrift Company has increased its total deposits by $5.39 million, resulting in 5.84% 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 Finance and Thrift Company 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. Finance and Thrift Company has $129.08 million in assets with $31.71 million in equity, resulting in a capitalization level of 24.57%, which is excellent.

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