First National Bank and Trust (KS)

First National Bank and Trust (KS) is headquartered in Phillipsburg and is the 71^st largest bank in the state of Kansas. It is also the 3,285^th largest bank in the nation. It was established in 1884 and as of March of 2012, it had grown to 51 employees at 5 locations. First National Bank and Trust (KS) has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank and Trust FDIC Certificate # 4756 BankRate Report View Year Established 1884 Employees 51 Primary Regulator OCC Assets and Liabilities Assets $187.38 million Loans $75.16 million Deposits $158.31 million Equity Capital $27.33 million Loan Loss Allowance $1.85 million Unbacked Noncurrent Loans $15,000 Real Estate Owned $597,000 Historic Data - March 2011 Assets $162.65 million Equity Capital $24.65 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $140,000 Real Estate Owned $779,000 Profit Margin - Quarterly Net Interest Margin 3.58% Return on Assets 1.5% Return on Equity 10.09% Interest Income $1.81 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 National Bank and Trust (KS) had $612,000 in non-current loans and owned real-estate with $29.18 million in equity and loan loss allowances on hand to cover it. This gives First National Bank and Trust (KS) a Texas Ratio of 2.10% 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 National Bank and Trust (KS) decreased slightly from 3.48% as of March 31, 2011 to 2.10% as of March 31, 2012, resulting in a positive change of 39.76%.This indicates that the balance sheet and financial strength for First National Bank and Trust (KS) has improved slightly in recent periods. Deposit Growth In the past year, First National Bank and Trust (KS) has increased its total deposits by $22.93 million, resulting in 16.94% 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 National Bank and Trust (KS) 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 National Bank and Trust (KS) has $187.38 million in assets with $29.18 million in equity, resulting in a capitalization level of 15.57%, which is excellent.

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