First Bank & Trust Company (13946)

First Bank & Trust Company (13946) is headquartered in Perry and is the 107^th largest bank in the state of Oklahoma. It is also the 4,130^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 41 employees at 3 locations. First Bank & Trust Company (13946) has a 5-star health rating.

Data for Q1 2012

Institution Statistics First Bank & Trust Company FDIC Certificate # 13946 BankRate Report View Year Established 1934 Employees 41 Primary Regulator FDIC Assets and Liabilities Assets $135.60 million Loans $60.47 million Deposits $118.55 million Equity Capital $16.95 million Loan Loss Allowance $788,000 Unbacked Noncurrent Loans $383,000 Real Estate Owned $220,000 Historic Data - March 2011 Assets $126.21 million Equity Capital $15.98 million Loan Loss Allowance $699,000 Unbacked Noncurrent Loans $341,000 Real Estate Owned $270,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 1.15% Return on Equity 9.14% Interest Income $1.29 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 & Trust Company (13946) had $603,000 in non-current loans and owned real-estate with $17.74 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust Company (13946) a Texas Ratio of 3.40% 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 & Trust Company (13946) held steady from 3.66% as of March 31, 2011 to 3.40% as of March 31, 2012, resulting in a positive change of 7.22%.This indicates that the balance sheet and financial strength for First Bank & Trust Company (13946) has held steady in recent periods. Deposit Growth In the past year, First Bank & Trust Company (13946) has increased its total deposits by $8.46 million, resulting in 7.69% 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 Company (13946) 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 & Trust Company (13946) has $135.6 million in assets with $17.74 million in equity, resulting in a capitalization level of 13.08%, which is excellent.

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