First Bank and Trust Company of Indiantown

First Bank and Trust Company of Indiantown is headquartered in Indiantown and is the 138^th largest bank in the state of Florida. It is also the 3,352^nd largest bank in the nation. It was established in 1960 and as of March of 2012, it had grown to 72 employees at 5 locations. First Bank and Trust Company of Indiantown has a 5-star health rating.

Data for Q1 2012

Institution Statistics Harbor Community Bank, FSB FDIC Certificate # 18149 BankRate Report View Year Established 1960 Employees 72 Primary Regulator OCC Assets and Liabilities Assets $182.26 million Loans $92.25 million Deposits $116.18 million Equity Capital $45.80 million Loan Loss Allowance $734,000 Unbacked Noncurrent Loans $2.89 million Historic Data - March 2011 Assets $144.86 million Equity Capital $46.00 million Loan Loss Allowance $64,000 Unbacked Noncurrent Loans $1.65 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.08% Return on Equity 0.28% Interest Income $1.81 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 First Bank and Trust Company of Indiantown had $2.89 million in non-current loans and owned real-estate with $46.53 million in equity and loan loss allowances on hand to cover it. This gives First Bank and Trust Company of Indiantown a Texas Ratio of 6.22% 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 First Bank and Trust Company of Indiantown held steady from 3.58% as of March 31, 2011 to 6.22% as of March 31, 2012, resulting in a negative change of 73.85%. This indicates that the balance sheet and financial strength for First Bank and Trust Company of Indiantown has held steady in recent periods. Deposit Growth In the past year, First Bank and Trust Company of Indiantown has increased its total deposits by $20.84 million, resulting in 21.86% 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 First Bank and Trust Company of Indiantown 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. First Bank and Trust Company of Indiantown has $182.26 million in assets with $46.53 million in equity, resulting in a capitalization level of 25.53%, which is excellent.

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