The First State Bank of Malta

The First State Bank of Malta is headquartered in Malta and is the 27^th largest bank in the state of Montana. It is also the 4,351^st largest bank in the nation. It was established in 1903 and as of March of 2012, it had grown to 20 employees at 1 location. The First State Bank of Malta has a 5-star health rating.

Data for Q1 2012

Institution Statistics The First State Bank of Malta FDIC Certificate # 1982 BankRate Report View Year Established 1903 Employees 20 Primary Regulator FED Assets and Liabilities Assets $125.01 million Loans $47.06 million Deposits $105.32 million Equity Capital $18.40 million Loan Loss Allowance $1.03 million Unbacked Noncurrent Loans $2.03 million Historic Data - March 2011 Assets $115.69 million Equity Capital $17.13 million Loan Loss Allowance $962,000 Unbacked Noncurrent Loans $2.08 million Profit Margin - Quarterly Net Interest Margin 3.11% Return on Assets 1.24% Return on Equity 8.55% Interest Income $1.17 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 State Bank of Malta had $2.03 million in non-current loans and owned real-estate with $19.43 million in equity and loan loss allowances on hand to cover it. This gives The First State Bank of Malta a Texas Ratio of 10.46% 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 State Bank of Malta held steady from 11.50% as of March 31, 2011 to 10.46% as of March 31, 2012, resulting in a positive change of 9.02%.This indicates that the balance sheet and financial strength for The First State Bank of Malta has held steady in recent periods. Deposit Growth In the past year, The First State Bank of Malta has increased its total deposits by $7.52 million, resulting in 7.69% 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 State Bank of Malta 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 State Bank of Malta has $125.01 million in assets with $19.43 million in equity, resulting in a capitalization level of 15.54%, which is excellent.

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