The First Bank and Trust Company

The First Bank and Trust Company is headquartered in Lebanon and is the 17^st largest bank in the state of Virginia. It is also the 533^rd largest bank in the nation. It was established in 1979 and as of March of 2012, it had grown to 281 employees at 21 locations. The First Bank and Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First Bank and Trust Company FDIC Certificate # 22918 BankRate Report View Year Established 1979 Employees 281 Primary Regulator FED Assets and Liabilities Assets $1.24 billion Loans $906.83 million Deposits $1.10 billion Equity Capital $127.60 million Loan Loss Allowance $18.69 million Unbacked Noncurrent Loans $9.28 million Real Estate Owned $9.20 million Historic Data - March 2011 Assets $1.19 billion Equity Capital $110.89 million Loan Loss Allowance $19.54 million Unbacked Noncurrent Loans $21.28 million Real Estate Owned $8.51 million Profit Margin - Quarterly Net Interest Margin 4% Return on Assets 1.35% Return on Equity 13.31% Interest Income $13.86 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 First Bank and Trust Company had $18.48 million in non-current loans and owned real-estate with $146.29 million in equity and loan loss allowances on hand to cover it. This gives The First Bank and Trust Company a Texas Ratio of 12.63% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for The First Bank and Trust Company decreased significantly from 22.84% as of March 31, 2011 to 12.63% as of March 31, 2012, resulting in a positive change of 44.69%.This indicates that the balance sheet and financial strength for The First Bank and Trust Company has improved significantly in recent periods. Deposit Growth In the past year, The First Bank and Trust Company has increased its total deposits by $61.52 million, resulting in 5.95% 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 First Bank and Trust Company 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 First Bank and Trust Company has $1.24 billion in assets with $146.29 million in equity, resulting in a capitalization level of 11.77%, which is above average.

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