First Trust & Savings Bank

First Trust & Savings Bank is headquartered in Moville and is the 161^st largest bank in the state of Iowa. It is also the 4,442^nd largest bank in the nation. It was established in 1919 and as of March of 2012, it had grown to 14 employees at 3 locations. First Trust & Savings Bank has a 5-star health rating.

First Trust & Savings Bank Routing Number: 073919911

Data for Q1 2012

Institution Statistics First Trust & Savings Bank FDIC Certificate # 8092 BankRate Report View Year Established 1919 Employees 14 Primary Regulator FDIC Assets and Liabilities Assets $120.96 million Loans $23.49 million Deposits $99.02 million Equity Capital $21.00 million Loan Loss Allowance $1.10 million Unbacked Noncurrent Loans $90,000 Historic Data - March 2011 Assets $109.92 million Equity Capital $19.58 million Loan Loss Allowance $1.06 million Unbacked Noncurrent Loans $258,000 Profit Margin - Quarterly Net Interest Margin 2.43% Return on Assets 1.08% Return on Equity 6.14% Interest Income $898,000

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 Trust & Savings Bank had $90,000 in non-current loans and owned real-estate with $22.1 million in equity and loan loss allowances on hand to cover it. This gives First Trust & Savings Bank a Texas Ratio of 0.41% 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 Trust & Savings Bank decreased significantly from 1.25% as of March 31, 2011 to 0.41% as of March 31, 2012, resulting in a positive change of 67.42%.This indicates that the balance sheet and financial strength for First Trust & Savings Bank has improved significantly in recent periods. Deposit Growth In the past year, First Trust & Savings Bank has increased its total deposits by $9.42 million, resulting in 10.52% 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 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 has $120.96 million in assets with $22.1 million in equity, resulting in a capitalization level of 18.27%, which is excellent.

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