Fort Madison Bank & Trust Co.

Fort Madison Bank & Trust Co. is headquartered in Fort Madison and is the 128^th largest bank in the state of Iowa. It is also the 3,889^th largest bank in the nation. It was established in 1854 and as of March of 2012, it had grown to 52 employees at 5 locations. Fort Madison Bank & Trust Co. has a 5-star health rating.

Fort Madison Bank & Trust Co. Checking Account Rates

Data for Q1 2012

Institution Statistics Fort Madison Bank & Trust Co. FDIC Certificate # 955 BankRate Report View Year Established 1854 Employees 52 Primary Regulator FED Assets and Liabilities Assets $149.04 million Loans $83.81 million Deposits $123.77 million Equity Capital $14.43 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $146,000 Real Estate Owned $417,000 Historic Data - March 2011 Assets $144.71 million Equity Capital $13.50 million Loan Loss Allowance $1.05 million Unbacked Noncurrent Loans $178,000 Real Estate Owned $991,000 Profit Margin - Quarterly Net Interest Margin 3.57% Return on Assets 0.74% Return on Equity 7.53% Interest Income $1.50 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 Fort Madison Bank & Trust Co. had $563,000 in non-current loans and owned real-estate with $15.44 million in equity and loan loss allowances on hand to cover it. This gives Fort Madison Bank & Trust Co. a Texas Ratio of 3.65% 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 Fort Madison Bank & Trust Co. decreased significantly from 8.04% as of March 31, 2011 to 3.65% as of March 31, 2012, resulting in a positive change of 54.63%.This indicates that the balance sheet and financial strength for Fort Madison Bank & Trust Co. has improved significantly in recent periods. Deposit Growth In the past year, Fort Madison Bank & Trust Co. has increased its total deposits by $7.73 million, resulting in 6.66% 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 Fort Madison Bank & Trust Co. 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. Fort Madison Bank & Trust Co. has $149.04 million in assets with $15.44 million in equity, resulting in a capitalization level of 10.36%, which is above average.

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