First Security Bank & Trust Company

First Security Bank & Trust Company is headquartered in Norton and is the 194^th largest bank in the state of Kansas. It is also the 5,985^th largest bank in the nation. It was established in 1887 and as of March of 2012, it had grown to 17 employees at 2 locations. First Security Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics First Security Bank & Trust Company FDIC Certificate # 4741 BankRate Report View Year Established 1887 Employees 17 Primary Regulator FDIC Assets and Liabilities Assets $63.15 million Loans $26.91 million Deposits $49.94 million Equity Capital $8.63 million Loan Loss Allowance $838,000 Unbacked Noncurrent Loans $20,000 Real Estate Owned $353,000 Historic Data - March 2011 Assets $61.48 million Equity Capital $8.06 million Loan Loss Allowance $992,000 Unbacked Noncurrent Loans $1.51 million Real Estate Owned $1.58 million Profit Margin - Quarterly Net Interest Margin 3.53% Return on Assets 0.92% Return on Equity 6.49% Interest Income $610,000

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 & Trust Company had $373,000 in non-current loans and owned real-estate with $9.47 million in equity and loan loss allowances on hand to cover it. This gives First Security Bank & Trust Company a Texas Ratio of 3.94% 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 & Trust Company decreased significantly from 34.20% as of March 31, 2011 to 3.94% as of March 31, 2012, resulting in a positive change of 88.48%.This indicates that the balance sheet and financial strength for First Security Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, First Security Bank & Trust Company has increased its total deposits by $189,000, resulting in 0.38% 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 & Trust Company has shown is average. 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 & Trust Company has $63.15 million in assets with $9.47 million in equity, resulting in a capitalization level of 14.99%, which is excellent.

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