First United Bank and Trust Company

First United Bank and Trust Company is headquartered in Durant and is the 4^th largest bank in the state of Oklahoma. It is also the 328^th largest bank in the nation. It was established in 1900 and as of March of 2012, it had grown to 630 employees at 31 locations. First United Bank and Trust Company has a 3-star health rating.

First United Bank and Trust Company Routing Number: 111925061

Data for Q1 2012

Institution Statistics First United Bank and Trust Company FDIC Certificate # 4239 BankRate Report View Year Established 1900 Employees 630 Primary Regulator FDIC Assets and Liabilities Assets $2.15 billion Loans $1.31 billion Deposits $1.77 billion Equity Capital $207.85 million Loan Loss Allowance $21.86 million Unbacked Noncurrent Loans $34.55 million Real Estate Owned $34.59 million Historic Data - March 2011 Assets $2.14 billion Equity Capital $194.35 million Loan Loss Allowance $26.07 million Unbacked Noncurrent Loans $37.01 million Real Estate Owned $54.73 million Profit Margin - Quarterly Net Interest Margin 3.96% Return on Assets 1.26% Return on Equity 12.93% Interest Income $21.49 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 March 31, 2012 First United Bank and Trust Company had $69.14 million in non-current loans and owned real-estate with $229.71 million in equity and loan loss allowances on hand to cover it. This gives First United Bank and Trust Company a Texas Ratio of 30.10% 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 United Bank and Trust Company decreased slightly from 41.46% as of March 31, 2011 to 30.10% as of March 31, 2012, resulting in a positive change of 27.41%.This indicates that the balance sheet and financial strength for First United Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, First United Bank and Trust Company has increased its total deposits by $25.59 million, resulting in 1.46% 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 United Bank and Trust Company has shown is above 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 United Bank and Trust Company has $2.15 billion in assets with $229.71 million in equity, resulting in a capitalization level of 10.69%, which is above average.