First National Bank & Trust Co. of Williston

First National Bank & Trust Co. of Williston is headquartered in Williston and is the 17^st largest bank in the state of North Dakota. It is also the 1,881^st largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 52 employees at 5 locations. First National Bank & Trust Co. of Williston has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First National Bank & Trust Co. of Williston FDIC Certificate # 14801 BankRate Report View Year Established 1926 Employees 52 Primary Regulator OCC Assets and Liabilities Assets $350.67 million Loans $151.85 million Deposits $313.66 million Equity Capital $28.22 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $503,000 Real Estate Owned $972,000 Historic Data - March 2011 Assets $300.16 million Equity Capital $24.38 million Loan Loss Allowance $1.74 million Unbacked Noncurrent Loans $1.21 million Real Estate Owned $1.12 million Profit Margin - Quarterly Net Interest Margin 3.15% Return on Assets 1.71% Return on Equity 21.73% Interest Income $2.79 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 & Trust Co. of Williston had $1.48 million in non-current loans and owned real-estate with $29.99 million in equity and loan loss allowances on hand to cover it. This gives First National Bank & Trust Co. of Williston a Texas Ratio of 4.92% 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 & Trust Co. of Williston decreased significantly from 8.97% as of March 31, 2011 to 4.92% as of March 31, 2012, resulting in a positive change of 45.18%.This indicates that the balance sheet and financial strength for First National Bank & Trust Co. of Williston has improved significantly in recent periods. Deposit Growth In the past year, First National Bank & Trust Co. of Williston has increased its total deposits by $49.89 million, resulting in 18.92% 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 & Trust Co. of Williston 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 & Trust Co. of Williston has $350.67 million in assets with $29.99 million in equity, resulting in a capitalization level of 8.55%, which is average.

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