First Command Bank

First Command Bank is headquartered in Fort Worth and is the 70^th largest bank in the state of Texas. It is also the 980^th largest bank in the nation. It was established in 1997 and as of March of 2012, it had grown to 85 employees at 1 location. First Command Bank has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Command Bank OTS # 13570 FDIC Certificate # 34415 BankRate Report View Year Established 1997 Employees 85 Primary Regulator OCC Assets and Liabilities Assets $673.50 million Loans $276.63 million Deposits $603.11 million Equity Capital $53.59 million Loan Loss Allowance $3.71 million Unbacked Noncurrent Loans $177,000 Historic Data - March 2011 Assets $646.27 million Equity Capital $52.91 million Loan Loss Allowance $3.88 million Unbacked Noncurrent Loans $822,000 Profit Margin - Quarterly Net Interest Margin 3.16% Return on Assets 1.66% Return on Equity 21.06% Interest Income $5.52 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 Command Bank had $177,000 in non-current loans and owned real-estate with $57.3 million in equity and loan loss allowances on hand to cover it. This gives First Command Bank a Texas Ratio of 0.31% 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 Command Bank decreased significantly from 1.45% as of March 31, 2011 to 0.31% as of March 31, 2012, resulting in a positive change of 78.66%.This indicates that the balance sheet and financial strength for First Command Bank has improved significantly in recent periods. Deposit Growth In the past year, First Command Bank has increased its total deposits by $70.71 million, resulting in 13.28% 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 Command Bank 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 Command Bank has $673.5 million in assets with $57.3 million in equity, resulting in a capitalization level of 8.51%, which is average.

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