First Bank & Trust, S.B.

First Bank & Trust, S.B. is headquartered in Paris and is the 109^th largest bank in the state of Illinois. It is also the 1,676^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 100 employees at 7 locations. First Bank & Trust, S.B. has a 4-star health rating.

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Data for Q1 2012

Institution Statistics First Bank & Trust, S.B. FDIC Certificate # 29786 BankRate Report View Year Established 1887 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $397.56 million Loans $282.99 million Deposits $312.89 million Equity Capital $42.14 million Loan Loss Allowance $4.68 million Unbacked Noncurrent Loans $4.42 million Real Estate Owned $713,000 Historic Data - March 2011 Assets $399.69 million Equity Capital $42.13 million Loan Loss Allowance $4.44 million Unbacked Noncurrent Loans $3.39 million Real Estate Owned $1.36 million Profit Margin - Quarterly Net Interest Margin 4.12% Return on Assets 0.98% Return on Equity 9.29% Interest Income $4.72 million

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, S.B. had $5.13 million in non-current loans and owned real-estate with $46.82 million in equity and loan loss allowances on hand to cover it. This gives First Bank & Trust, S.B. a Texas Ratio of 10.96% 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, S.B. held steady from 10.20% as of March 31, 2011 to 10.96% as of March 31, 2012, resulting in a negative change of 7.47%. This indicates that the balance sheet and financial strength for First Bank & Trust, S.B. has held steady in recent periods. Deposit Growth In the past year, First Bank & Trust, S.B. has increased its total deposits by $7.64 million, resulting in 2.5% 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, S.B. has shown is above average. 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, S.B. has $397.56 million in assets with $46.82 million in equity, resulting in a capitalization level of 11.78%, which is above average.

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