First State Bank and Trust Company, Inc.

First State Bank and Trust Company, Inc. is headquartered in Caruthersville and is the 67^th largest bank in the state of Missouri. It is also the 1,950^th largest bank in the nation. It was established in 1934 and as of March of 2012, it had grown to 107 employees at 5 locations. First State Bank and Trust Company, Inc.'s savings rates are 54% higher than the national average, and it boasts a 5-star health rating.

First State Bank and Trust Company, Inc. Checking Account Rates

First State Bank and Trust Company, Inc. Savings Account Rates

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First State Bank and Trust Company, Inc. IRA Rates

Data for Q1 2012

Institution Statistics First State Bank and Trust Company, Inc. FDIC Certificate # 14185 BankRate Report View Year Established 1934 Employees 107 Primary Regulator FED Assets and Liabilities Assets $334.00 million Loans $209.27 million Deposits $291.19 million Equity Capital $36.18 million Loan Loss Allowance $3.06 million Unbacked Noncurrent Loans $600,000 Real Estate Owned $495,000 Historic Data - March 2011 Assets $336.16 million Equity Capital $34.69 million Loan Loss Allowance $2.99 million Unbacked Noncurrent Loans $2.76 million Real Estate Owned $780,000 Profit Margin - Quarterly Net Interest Margin 4.24% Return on Assets 1.1% Return on Equity 10.67% Interest Income $3.70 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 State Bank and Trust Company, Inc. had $1.1 million in non-current loans and owned real-estate with $39.25 million in equity and loan loss allowances on hand to cover it. This gives First State Bank and Trust Company, Inc. a Texas Ratio of 2.79% 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 State Bank and Trust Company, Inc. decreased significantly from 9.40% as of March 31, 2011 to 2.79% as of March 31, 2012, resulting in a positive change of 70.33%.This indicates that the balance sheet and financial strength for First State Bank and Trust Company, Inc. has improved significantly in recent periods. Deposit Growth In the past year, First State Bank and Trust Company, Inc. has decreased its total deposits by -$4.54 million, resulting in -1.53% 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 State Bank and Trust Company, Inc. has shown is below 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 State Bank and Trust Company, Inc. has $334 million in assets with $39.25 million in equity, resulting in a capitalization level of 11.75%, which is above average.

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