The Bank and Trust, S.S.B.

The Bank and Trust, S.S.B. is headquartered in Del Rio and is the 121^st largest bank in the state of Texas. It is also the 1,623^rd largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 118 employees at 7 locations. The Bank and Trust, S.S.B. has a 5-star health rating.

The Bank and Trust, S.S.B. Routing Number: 114901370

Data for Q1 2012

Institution Statistics The Bank and Trust, S.S.B. FDIC Certificate # 1184 BankRate Report View Year Established 1910 Employees 118 Primary Regulator FDIC Assets and Liabilities Assets $409.69 million Loans $196.82 million Deposits $343.69 million Equity Capital $43.69 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $118,000 Real Estate Owned $135,000 Historic Data - March 2011 Assets $385.38 million Equity Capital $40.14 million Loan Loss Allowance $1.24 million Unbacked Noncurrent Loans $84,000 Profit Margin - Quarterly Net Interest Margin 3.51% Return on Assets 2.53% Return on Equity 23.39% Interest Income $4.06 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, S.S.B. had $253,000 in non-current loans and owned real-estate with $44.9 million in equity and loan loss allowances on hand to cover it. This gives The Bank and Trust, S.S.B. a Texas Ratio of 0.56% 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, S.S.B. held steady from 0.20% as of March 31, 2011 to 0.56% as of March 31, 2012, resulting in a negative change of 177.57%. This indicates that the balance sheet and financial strength for The Bank and Trust, S.S.B. has held steady in recent periods. Deposit Growth In the past year, The Bank and Trust, S.S.B. has increased its total deposits by $22.7 million, resulting in 7.07% 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, S.S.B. 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, S.S.B. has $409.68 million in assets with $44.9 million in equity, resulting in a capitalization level of 10.96%, which is above average.

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