First Bank & Trust Company

First Bank & Trust Company is headquartered in Dawson and is the 551^st largest bank in the state of Texas. It is also the 6,694^th largest bank in the nation. It was established in 1915 and as of March of 2012, it had grown to 13 employees at 2 locations. First Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Bank & Trust Company FDIC Certificate # 3167 BankRate Report View Year Established 1915 Employees 13 Primary Regulator FED Assets and Liabilities Assets $39.71 million Loans $17.26 million Deposits $37.15 million Equity Capital $2.45 million Loan Loss Allowance $108,000 Unbacked Noncurrent Loans $6,000 Real Estate Owned $595,000 Historic Data - March 2011 Assets $34.87 million Equity Capital $2.37 million Loan Loss Allowance $131,000 Unbacked Noncurrent Loans $150,000 Real Estate Owned $706,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 0.47% Return on Equity 7.44% Interest Income $406,000

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 & Trust Company had $601,000 in non-current loans and owned real-estate with $2.56 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust Company a Texas Ratio of 23.48% which is 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 decreased slightly from 34.25% as of March 31, 2011 to 23.48% as of March 31, 2012, resulting in a positive change of 31.46%.This indicates that the balance sheet and financial strength for First Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, First Bank & Trust Company has increased its total deposits by $4.74 million, resulting in 14.61% 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 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 has $39.71 million in assets with $2.56 million in equity, resulting in a capitalization level of 6.45%, which is below average.

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