First Bank & Trust of Milbank

First Bank & Trust of Milbank is headquartered in Milbank and is the 28^th largest bank in the state of South Dakota. It is also the 3,914^st largest bank in the nation. It was established in 1986 and as of March of 2012, it had grown to 22 employees at 3 locations. First Bank & Trust of Milbank has a 5-star health rating.

Data for Q1 2012

Institution Statistics First Bank & Trust of Milbank FDIC Certificate # 26638 BankRate Report View Year Established 1986 Employees 22 Primary Regulator FDIC Assets and Liabilities Assets $147.68 million Loans $90.12 million Deposits $126.09 million Equity Capital $17.80 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $271,000 Real Estate Owned $1.39 million Historic Data - March 2011 Assets $136.95 million Equity Capital $16.63 million Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $2.59 million Real Estate Owned $1.54 million Profit Margin - Quarterly Net Interest Margin 3.55% Return on Assets 0.68% Return on Equity 5.77% Interest Income $1.66 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 of Milbank had $1.66 million in non-current loans and owned real-estate with $19.03 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust of Milbank a Texas Ratio of 8.71% which is above 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 of Milbank decreased significantly from 22.63% as of March 31, 2011 to 8.71% as of March 31, 2012, resulting in a positive change of 61.52%.This indicates that the balance sheet and financial strength for First Bank & Trust of Milbank has improved significantly in recent periods. Deposit Growth In the past year, First Bank & Trust of Milbank has increased its total deposits by $10.75 million, resulting in 9.32% 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 of Milbank 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 of Milbank has $147.68 million in assets with $19.03 million in equity, resulting in a capitalization level of 12.88%, which is excellent.

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