First International Bank & Trust

First International Bank & Trust is headquartered in Watford City and is the 6^th largest bank in the state of North Dakota. It is also the 573^rd largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 318 employees at 21 locations. First International Bank & Trust has a 3-star health rating.

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Data for Q1 2012

Institution Statistics First International Bank & Trust FDIC Certificate # 10248 BankRate Report View Year Established 1910 Employees 318 Primary Regulator FDIC Assets and Liabilities Assets $1.15 billion Loans $691.09 million Deposits $1.02 billion Equity Capital $99.02 million Loan Loss Allowance $9.63 million Unbacked Noncurrent Loans $6.84 million Real Estate Owned $35.44 million Historic Data - March 2011 Assets $1.03 billion Equity Capital $88.40 million Loan Loss Allowance $11.70 million Unbacked Noncurrent Loans $8.72 million Real Estate Owned $21.32 million Profit Margin - Quarterly Net Interest Margin 4.7% Return on Assets 0.98% Return on Equity 11.15% Interest Income $13.26 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 International Bank & Trust had $42.28 million in non-current loans and owned real-estate with $108.64 million in equity and loan loss allowances on hand to cover it. This gives First International Bank & Trust a Texas Ratio of 38.91% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First International Bank & Trust increased slightly from 30.14% as of March 31, 2011 to 38.91% as of March 31, 2012, resulting in a negative change of 29.11%. This indicates that the balance sheet and financial strength for First International Bank & Trust has declined slightly in recent periods. Deposit Growth In the past year, First International Bank & Trust has increased its total deposits by $132.53 million, resulting in 14.9% 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 International Bank & Trust 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 International Bank & Trust has $1.15 billion in assets with $108.64 million in equity, resulting in a capitalization level of 9.45%, which is average.

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