First Bank & Trust Company (TX)

First Bank & Trust Company (TX) is headquartered in Lubbock and is the 95^th largest bank in the state of Texas. It is also the 1,297^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 154 employees at 6 locations. First Bank & Trust Company (TX) has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First Bank & Trust Company FDIC Certificate # 14778 BankRate Report View Year Established 1934 Employees 154 Primary Regulator FDIC Assets and Liabilities Assets $523.17 million Loans $372.29 million Deposits $411.76 million Equity Capital $49.61 million Loan Loss Allowance $4.77 million Unbacked Noncurrent Loans $7.59 million Real Estate Owned $13.86 million Historic Data - March 2011 Assets $473.38 million Equity Capital $40.14 million Loan Loss Allowance $3.79 million Unbacked Noncurrent Loans $7.12 million Real Estate Owned $8.67 million Profit Margin - Quarterly Net Interest Margin 4.15% Return on Assets 0.92% Return on Equity 9.67% Interest Income $6.08 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 Company (TX) had $21.45 million in non-current loans and owned real-estate with $54.38 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust Company (TX) a Texas Ratio of 39.44% 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 Company (TX) increased slightly from 31.51% as of March 31, 2011 to 39.44% as of March 31, 2012, resulting in a negative change of 25.16%. This indicates that the balance sheet and financial strength for First Bank & Trust Company (TX) has declined slightly in recent periods. Deposit Growth In the past year, First Bank & Trust Company (TX) has increased its total deposits by $39.44 million, resulting in 10.59% 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 (TX) 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 (TX) has $523.17 million in assets with $54.38 million in equity, resulting in a capitalization level of 10.39%, which is above average.

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