First Security Bank of Malta

First Security Bank of Malta is headquartered in Malta and is the 60^th largest bank in the state of Montana. It is also the 6,716^st largest bank in the nation. It was established in 1972 and as of March of 2012, it had grown to 13 employees at 1 location. First Security Bank of Malta has a 5-star health rating.

Data for Q1 2012

Institution Statistics First Security Bank of Malta FDIC Certificate # 20646 BankRate Report View Year Established 1972 Employees 13 Primary Regulator FED Assets and Liabilities Assets $38.87 million Loans $19.05 million Deposits $34.86 million Equity Capital $3.11 million Loan Loss Allowance $306,000 Unbacked Noncurrent Loans $149,000 Historic Data - March 2011 Assets $34.10 million Equity Capital $2.91 million Loan Loss Allowance $284,000 Unbacked Noncurrent Loans $163,000 Profit Margin - Quarterly Net Interest Margin 4.29% Return on Assets 0.72% Return on Equity 8.85% Interest Income $467,000

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 Security Bank of Malta had $149,000 in non-current loans and owned real-estate with $3.41 million in equity and loan loss allowances on hand to cover it. This gives First Security Bank of Malta a Texas Ratio of 4.37% 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 Security Bank of Malta decreased significantly from 7.82% as of March 31, 2011 to 4.37% as of March 31, 2012, resulting in a positive change of 44.16%.This indicates that the balance sheet and financial strength for First Security Bank of Malta has improved significantly in recent periods. Deposit Growth In the past year, First Security Bank of Malta has increased its total deposits by $5.17 million, resulting in 17.42% 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 Security Bank of Malta 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 Security Bank of Malta has $38.87 million in assets with $3.41 million in equity, resulting in a capitalization level of 8.78%, which is average.

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