First Trust and Savings Bank (IA)

First Trust and Savings Bank (IA) is headquartered in Coralville and is the 282^nd largest bank in the state of Iowa. It is also the 6,385^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 12 employees at 2 locations. First Trust and Savings Bank (IA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics First Trust and Savings Bank FDIC Certificate # 10123 BankRate Report View Year Established 1931 Employees 12 Primary Regulator FDIC Assets and Liabilities Assets $49.33 million Loans $18.08 million Deposits $39.42 million Equity Capital $5.15 million Loan Loss Allowance $233,000 Unbacked Noncurrent Loans $320,000 Real Estate Owned $787,000 Historic Data - March 2011 Assets $47.44 million Equity Capital $4.68 million Loan Loss Allowance $406,000 Unbacked Noncurrent Loans $991,000 Real Estate Owned $554,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets -0.06% Return on Equity -0.54% Interest Income $524,000

Institution Health Overall Score: 4 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 Trust and Savings Bank (IA) had $1.11 million in non-current loans and owned real-estate with $5.38 million in equity and loan loss allowances on hand to cover it. This gives First Trust and Savings Bank (IA) a Texas Ratio of 20.56% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for First Trust and Savings Bank (IA) decreased slightly from 30.38% as of March 31, 2011 to 20.56% as of March 31, 2012, resulting in a positive change of 32.33%.This indicates that the balance sheet and financial strength for First Trust and Savings Bank (IA) has improved slightly in recent periods. Deposit Growth In the past year, First Trust and Savings Bank (IA) has increased its total deposits by $1.9 million, resulting in 5.06% 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 Trust and Savings Bank (IA) 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 Trust and Savings Bank (IA) has $49.33 million in assets with $5.38 million in equity, resulting in a capitalization level of 10.92%, which is above average.

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