First Trust & Savings Bank of Albany, Illinois

First Trust & Savings Bank of Albany, Illinois is headquartered in Albany and is the 268^th largest bank in the state of Illinois. It is also the 3,873^rd largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 26 employees at 3 locations. First Trust & Savings Bank of Albany, Illinois has a 5-star health rating.

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Data for Q1 2012

Institution Statistics First Trust & Savings Bank of Albany, Illinois FDIC Certificate # 5754 BankRate Report View Year Established 1902 Employees 26 Primary Regulator FDIC Assets and Liabilities Assets $149.97 million Loans $86.41 million Deposits $129.10 million Equity Capital $17.52 million Loan Loss Allowance $670,000 Unbacked Noncurrent Loans $1.40 million Real Estate Owned $90,000 Historic Data - March 2011 Assets $131.25 million Equity Capital $14.60 million Loan Loss Allowance $640,000 Unbacked Noncurrent Loans $734,000 Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets 1.52% Return on Equity 13.73% Interest Income $1.64 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 Trust & Savings Bank of Albany, Illinois had $1.49 million in non-current loans and owned real-estate with $18.19 million in equity and loan loss allowances on hand to cover it. This gives First Trust & Savings Bank of Albany, Illinois a Texas Ratio of 8.18% which is above 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 & Savings Bank of Albany, Illinois held steady from 4.82% as of March 31, 2011 to 8.18% as of March 31, 2012, resulting in a negative change of 69.87%. This indicates that the balance sheet and financial strength for First Trust & Savings Bank of Albany, Illinois has held steady in recent periods. Deposit Growth In the past year, First Trust & Savings Bank of Albany, Illinois has increased its total deposits by $16.53 million, resulting in 14.68% 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 & Savings Bank of Albany, Illinois 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 & Savings Bank of Albany, Illinois has $149.97 million in assets with $18.19 million in equity, resulting in a capitalization level of 12.13%, which is excellent.

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