Fort Madison Bank & Trust Co.

Fort Madison Bank & Trust Co. is headquartered in Fort Madison and is the 137^th largest bank in the state of Iowa. It is also the 3,865^th largest bank in the nation. It was established in 1854 and as of December of 2012, it had grown to 51 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 Q4 2012

Institution Statistics Fort Madison Bank & Trust Co. FDIC Certificate # 955 BankRate Report View Year Established 1854 Employees 51 Primary Regulator FED Assets and Liabilities Assets $147.37 million Loans $76.81 million Deposits $122.29 million Equity Capital $13.93 million Loan Loss Allowance $996,000 Unbacked Noncurrent Loans $262,000 Real Estate Owned $354,000 Historic Data - December 2011 Assets $143.11 million Equity Capital $14.16 million Loan Loss Allowance $1.01 million Unbacked Noncurrent Loans $204,000 Real Estate Owned $487,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 0.88% Return on Equity 9.25% Interest Income $5.72 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 December 31, 2012 Fort Madison Bank & Trust Co. had $616,000 in non-current loans and owned real-estate with $14.93 million in equity and loan loss allowances on hand to cover it. This gives Fort Madison Bank & Trust Co. a Texas Ratio of 4.13% 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. held steady from 4.55% as of December 31, 2011 to 4.13% as of December 31, 2012, resulting in a positive change of 9.39%.This indicates that the balance sheet and financial strength for Fort Madison Bank & Trust Co. has held steady in recent periods. Deposit Growth In the past year, Fort Madison Bank & Trust Co. has increased its total deposits by $4.25 million, resulting in 3.6% 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 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. Fort Madison Bank & Trust Co. has $147.36 million in assets with $14.93 million in equity, resulting in a capitalization level of 10.13%, which is above average.