The First Trust & Savings Bank

The First Trust & Savings Bank is headquartered in Marcus and is the 287^th largest bank in the state of Iowa. It is also the 6,493^rd largest bank in the nation. It was established in 1935 and as of March of 2012, it had grown to 14 employees at 3 locations. The First Trust & Savings Bank has a 4-star health rating.

Data for Q1 2012

Institution Statistics The First Trust & Savings Bank FDIC Certificate # 15431 BankRate Report View Year Established 1935 Employees 14 Primary Regulator FED Assets and Liabilities Assets $45.57 million Loans $19.77 million Deposits $39.81 million Equity Capital $4.50 million Loan Loss Allowance $236,000 Unbacked Noncurrent Loans $13,000 Real Estate Owned $463,000 Historic Data - March 2011 Assets $46.11 million Equity Capital $4.06 million Loan Loss Allowance $287,000 Unbacked Noncurrent Loans $676,000 Real Estate Owned $35,000 Profit Margin - Quarterly Net Interest Margin 3.75% Return on Assets 0.81% Return on Equity 8.32% Interest Income $481,000

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 The First Trust & Savings Bank had $476,000 in non-current loans and owned real-estate with $4.74 million in equity and loan loss allowances on hand to cover it. This gives The First Trust & Savings Bank a Texas Ratio of 10.04% 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 Trust & Savings Bank decreased slightly from 16.34% as of March 31, 2011 to 10.04% as of March 31, 2012, resulting in a positive change of 38.53%.This indicates that the balance sheet and financial strength for The First Trust & Savings Bank has improved slightly in recent periods. Deposit Growth In the past year, The First Trust & Savings Bank has decreased its total deposits by -$1.54 million, resulting in -3.72% 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 Trust & Savings Bank has shown is below average. 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 Trust & Savings Bank has $45.57 million in assets with $4.74 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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