First Bank and Trust Company

First Bank and Trust Company is headquartered in Minden and is the 106^th largest bank in the state of Nebraska. It is also the 5,498^th largest bank in the nation. It was established in 1883 and as of March of 2012, it had grown to 16 employees at 1 location. First Bank and Trust Company has a 4-star health rating.

First Bank and Trust Company Routing Number: 104901827

First Bank and Trust Company CD Rates

Data for Q1 2012

Institution Statistics First Bank and Trust Company FDIC Certificate # 5438 BankRate Report View Year Established 1883 Employees 16 Primary Regulator FED Assets and Liabilities Assets $79.47 million Loans $28.21 million Deposits $60.43 million Equity Capital $7.07 million Loan Loss Allowance $485,000 Unbacked Noncurrent Loans $647,000 Historic Data - March 2011 Assets $67.69 million Equity Capital $6.14 million Loan Loss Allowance $559,000 Unbacked Noncurrent Loans $998,000 Real Estate Owned $107,000 Profit Margin - Quarterly Net Interest Margin 2.87% Return on Assets 0.13% Return on Equity 1.42% Interest Income $607,000

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 First Bank and Trust Company had $647,000 in non-current loans and owned real-estate with $7.56 million in equity and loan loss allowances on hand to cover it. This gives First Bank and Trust Company a Texas Ratio of 8.56% 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 First Bank and Trust Company decreased significantly from 16.50% as of March 31, 2011 to 8.56% as of March 31, 2012, resulting in a positive change of 48.09%.This indicates that the balance sheet and financial strength for First Bank and Trust Company has improved significantly in recent periods. Deposit Growth In the past year, First Bank and Trust Company has increased its total deposits by $5.86 million, resulting in 10.74% 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 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 has $79.47 million in assets with $7.56 million in equity, resulting in a capitalization level of 9.51%, which is average.

No reviews have been left for this bank yet. Be the first to review.