First Bank & Trust East Texas

First Bank & Trust East Texas is headquartered in Diboll and is the 62^nd largest bank in the state of Texas. It is also the 782^nd largest bank in the nation. It was established in 1953 and as of March of 2012, it had grown to 324 employees at 18 locations. First Bank & Trust East Texas has a 5-star health rating.

First Bank & Trust East Texas Routing Number: 113122804

Data for Q1 2012

Institution Statistics First Bank & Trust East Texas FDIC Certificate # 17233 BankRate Report View Year Established 1953 Employees 324 Primary Regulator FDIC Assets and Liabilities Assets $844.53 million Loans $472.68 million Deposits $763.76 million Equity Capital $77.80 million Loan Loss Allowance $5.99 million Unbacked Noncurrent Loans $2.92 million Real Estate Owned $830,000 Historic Data - March 2011 Assets $776.07 million Equity Capital $71.76 million Loan Loss Allowance $5.83 million Unbacked Noncurrent Loans $4.79 million Real Estate Owned $63,000 Profit Margin - Quarterly Net Interest Margin 3.98% Return on Assets 1.14% Return on Equity 12.13% Interest Income $8.23 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 East Texas had $3.75 million in non-current loans and owned real-estate with $83.79 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust East Texas a Texas Ratio of 4.47% 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 East Texas decreased slightly from 6.26% as of March 31, 2011 to 4.47% as of March 31, 2012, resulting in a positive change of 28.51%.This indicates that the balance sheet and financial strength for First Bank & Trust East Texas has improved slightly in recent periods. Deposit Growth In the past year, First Bank & Trust East Texas has increased its total deposits by $61.66 million, resulting in 8.78% 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 East Texas 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 East Texas has $844.53 million in assets with $83.79 million in equity, resulting in a capitalization level of 9.92%, which is average.

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