Hot Springs Bank & Trust Company

Hot Springs Bank & Trust Company is headquartered in Hot Springs and is the 96^th largest bank in the state of Arkansas. It is also the 5,142^nd largest bank in the nation. It was established in 1920 and as of March of 2012, it had grown to 32 employees at 5 locations. Hot Springs Bank & Trust Company has a 4-star health rating.

Data for Q1 2012

Institution Statistics Hot Springs Bank & Trust Company FDIC Certificate # 3855 BankRate Report View Year Established 1920 Employees 32 Primary Regulator FDIC Assets and Liabilities Assets $92.91 million Loans $61.96 million Deposits $82.03 million Equity Capital $10.44 million Loan Loss Allowance $1.98 million Unbacked Noncurrent Loans $1.26 million Real Estate Owned $2.47 million Historic Data - March 2011 Assets $100.38 million Equity Capital $8.28 million Loan Loss Allowance $2.35 million Unbacked Noncurrent Loans $5.29 million Real Estate Owned $2.11 million Profit Margin - Quarterly Net Interest Margin 4.07% Return on Assets 0.38% Return on Equity 3.46% Interest Income $1.01 million

Institution Health Overall Score: 4 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 Hot Springs Bank & Trust Company had $3.72 million in non-current loans and owned real-estate with $12.42 million in equity and loan loss allowances on hand to cover it. This gives Hot Springs Bank & Trust Company a Texas Ratio of 29.98% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hot Springs Bank & Trust Company decreased significantly from 69.51% as of March 31, 2011 to 29.98% as of March 31, 2012, resulting in a positive change of 56.86%.This indicates that the balance sheet and financial strength for Hot Springs Bank & Trust Company has improved significantly in recent periods. Deposit Growth In the past year, Hot Springs Bank & Trust Company has decreased its total deposits by -$4.57 million, resulting in -5.28% 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 Hot Springs Bank & Trust Company has shown is poor. 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. Hot Springs Bank & Trust Company has $92.91 million in assets with $12.42 million in equity, resulting in a capitalization level of 13.37%, which is excellent.

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