First Bethany Bank & Trust

First Bethany Bank & Trust is headquartered in Bethany and is the 79^th largest bank in the state of Oklahoma. It is also the 3,366^th largest bank in the nation. It was established in 1923 and as of March of 2012, it had grown to 38 employees at 3 locations. First Bethany Bank & Trust has a 3-star health rating.

First Bethany Bank & Trust Routing Number: 103009160

Data for Q1 2012

Institution Statistics First Bethany Bank & Trust FDIC Certificate # 4228 BankRate Report View Year Established 1923 Employees 38 Primary Regulator FED Assets and Liabilities Assets $181.49 million Loans $68.71 million Deposits $122.07 million Equity Capital $17.47 million Loan Loss Allowance $875,000 Unbacked Noncurrent Loans $4.07 million Historic Data - March 2011 Assets $164.58 million Equity Capital $14.69 million Loan Loss Allowance $773,000 Unbacked Noncurrent Loans $1.62 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 1.38% Return on Equity 14.57% Interest Income $1.69 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 Bethany Bank & Trust had $4.07 million in non-current loans and owned real-estate with $18.34 million in equity and loan loss allowances on hand to cover it. This gives First Bethany Bank & Trust a Texas Ratio of 22.21% 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 Bethany Bank & Trust increased slightly from 10.49% as of March 31, 2011 to 22.21% as of March 31, 2012, resulting in a negative change of 111.67%. This indicates that the balance sheet and financial strength for First Bethany Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, First Bethany Bank & Trust has increased its total deposits by $338,000, resulting in 0.28% 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 Bethany Bank & Trust has shown is 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 Bethany Bank & Trust has $181.49 million in assets with $18.34 million in equity, resulting in a capitalization level of 10.11%, which is above average.

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