The Bank and Trust of Bryan/College Station

The Bank and Trust of Bryan/College Station is headquartered in Bryan and is the 184^th largest bank in the state of Texas. It is also the 2,295^th largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 67 employees at 5 locations. The Bank and Trust of Bryan/College Station has a 5-star health rating.

Data for Q1 2012

Institution Statistics The Bank and Trust of Bryan/College Station FDIC Certificate # 58249 BankRate Report View Year Established 2006 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $282.34 million Loans $196.63 million Deposits $249.96 million Equity Capital $31.89 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $456,000 Real Estate Owned $414,000 Historic Data - March 2011 Assets $259.99 million Equity Capital $29.26 million Loan Loss Allowance $1.43 million Unbacked Noncurrent Loans $959,000 Real Estate Owned $1.02 million Profit Margin - Quarterly Net Interest Margin 4.36% Return on Assets 0.89% Return on Equity 7.94% Interest Income $3.06 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 The Bank and Trust of Bryan/College Station had $870,000 in non-current loans and owned real-estate with $34.16 million in equity and loan loss allowances on hand to cover it. This gives The Bank and Trust of Bryan/College Station a Texas Ratio of 2.55% 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 The Bank and Trust of Bryan/College Station decreased significantly from 6.45% as of March 31, 2011 to 2.55% as of March 31, 2012, resulting in a positive change of 60.51%.This indicates that the balance sheet and financial strength for The Bank and Trust of Bryan/College Station has improved significantly in recent periods. Deposit Growth In the past year, The Bank and Trust of Bryan/College Station has increased its total deposits by $19.56 million, resulting in 8.49% 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 The Bank and Trust of Bryan/College Station 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. The Bank and Trust of Bryan/College Station has $282.33 million in assets with $34.16 million in equity, resulting in a capitalization level of 12.10%, which is excellent.

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