First State Bank & Trust Company

First State Bank & Trust Company is headquartered in Fremont and is the 46^th largest bank in the state of Nebraska. It is also the 2,964^th largest bank in the nation. It was established in 1956 and as of September of 2011, it had grown to 52 employees at 4 locations. First State Bank & Trust Company's savings rates are 44% higher than the national average, and it has a 3-star health rating.

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Data for Q3 2011

Institution Statistics First State Bank & Trust Company FDIC Certificate # 17639 BankRate Report View Year Established 1956 Employees 52 Primary Regulator FDIC Assets and Liabilities Assets $210.43 million Loans $129.80 million Deposits $177.17 million Equity Capital $19.58 million Loan Loss Allowance $2.75 million Unbacked Noncurrent Loans $3.33 million Real Estate Owned $5.24 million Historic Data - September 2010 Assets $197.38 million Equity Capital $19.50 million Loan Loss Allowance $2.13 million Unbacked Noncurrent Loans $3.56 million Real Estate Owned $2.73 million Profit Margin - Quarterly Net Interest Margin 3.88% Return on Assets 1.1% Return on Equity 12.23% Interest Income $7.13 million

Institution Health Overall Score: 3 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 September 30, 2011 First State Bank & Trust Company had $8.57 million in non-current loans and owned real-estate with $22.32 million in equity and loan loss allowances on hand to cover it. This gives First State Bank & Trust Company a Texas Ratio of 38.39% which is below average. 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 & Trust Company increased slightly from 29.05% as of September 30, 2010 to 38.39% as of September 30, 2011, resulting in a negative change of 32.14%. This indicates that the balance sheet and financial strength for First State Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, First State Bank & Trust Company has increased its total deposits by $11.69 million, resulting in 7.07% 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 & Trust Company 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 State Bank & Trust Company has $210.43 million in assets with $22.32 million in equity, resulting in a capitalization level of 10.61%, which is above average.

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