First Bank and Trust of Childress

First Bank and Trust of Childress is headquartered in Childress and is the 452^nd largest bank in the state of Texas. It is also the 5,569^th largest bank in the nation. It was established in 1909 and as of March of 2012, it had grown to 20 employees at 3 locations. First Bank and Trust of Childress has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Bank and Trust of Childress FDIC Certificate # 3134 BankRate Report View Year Established 1909 Employees 20 Primary Regulator FDIC Assets and Liabilities Assets $77.25 million Loans $55.79 million Deposits $70.71 million Equity Capital $6.43 million Loan Loss Allowance $405,000 Unbacked Noncurrent Loans $2.14 million Real Estate Owned $16,000 Historic Data - March 2011 Assets $74.61 million Equity Capital $6.48 million Loan Loss Allowance $335,000 Unbacked Noncurrent Loans $1.40 million Profit Margin - Quarterly Net Interest Margin 3.24% Return on Assets 0.67% Return on Equity 8.05% Interest Income $786,000

Institution Health Overall Score: 3 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 of Childress had $2.16 million in non-current loans and owned real-estate with $6.84 million in equity and loan loss allowances on hand to cover it. This gives First Bank and Trust of Childress a Texas Ratio of 31.57% which is below 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 of Childress increased slightly from 20.51% as of March 31, 2011 to 31.57% as of March 31, 2012, resulting in a negative change of 53.94%. This indicates that the balance sheet and financial strength for First Bank and Trust of Childress has declined slightly in recent periods. Deposit Growth In the past year, First Bank and Trust of Childress has increased its total deposits by $2.69 million, resulting in 3.96% 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 of Childress has shown is above 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. First Bank and Trust of Childress has $77.25 million in assets with $6.84 million in equity, resulting in a capitalization level of 8.85%, which is average.

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