First Bank & Trust Co.

First Bank & Trust Co. is headquartered in Duncan and is the 20^th largest bank in the state of Oklahoma. It is also the 1,338^th largest bank in the nation. It was established in 1988 and as of March of 2012, it had grown to 159 employees at 10 locations. First Bank & Trust Co. has a 3-star health rating.

Data for Q1 2012

Institution Statistics First Bank & Trust Co. FDIC Certificate # 27394 BankRate Report View Year Established 1988 Employees 159 Primary Regulator FDIC Assets and Liabilities Assets $507.27 million Loans $326.80 million Deposits $447.67 million Equity Capital $58.95 million Loan Loss Allowance $5.07 million Unbacked Noncurrent Loans $13.85 million Real Estate Owned $5.42 million Historic Data - March 2011 Assets $524.05 million Equity Capital $55.93 million Loan Loss Allowance $3.67 million Unbacked Noncurrent Loans $12.57 million Real Estate Owned $6.31 million Profit Margin - Quarterly Net Interest Margin 3.99% Return on Assets 1.34% Return on Equity 11.4% Interest Income $5.17 million

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 & Trust Co. had $19.27 million in non-current loans and owned real-estate with $64.02 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust Co. a Texas Ratio of 30.11% 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 & Trust Co. held steady from 31.68% as of March 31, 2011 to 30.11% as of March 31, 2012, resulting in a positive change of 4.97%.This indicates that the balance sheet and financial strength for First Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, First Bank & Trust Co. has decreased its total deposits by -$19.65 million, resulting in -4.2% 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 & Trust Co. has shown is below 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 & Trust Co. has $507.27 million in assets with $64.02 million in equity, resulting in a capitalization level of 12.62%, which is excellent.

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