Warren Bank and Trust Company

Warren Bank and Trust Company is headquartered in Warren and is the 82^nd largest bank in the state of Arkansas. It is also the 4,062^nd largest bank in the nation. It was established in 1901 and as of March of 2012, it had grown to 40 employees at 4 locations. Warren Bank and Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Warren Bank and Trust Company FDIC Certificate # 81 BankRate Report View Year Established 1901 Employees 40 Primary Regulator FED Assets and Liabilities Assets $138.90 million Loans $48.51 million Deposits $114.79 million Equity Capital $21.85 million Loan Loss Allowance $1.87 million Unbacked Noncurrent Loans $2.77 million Real Estate Owned $127,000 Historic Data - March 2011 Assets $131.37 million Equity Capital $17.80 million Loan Loss Allowance $1.90 million Unbacked Noncurrent Loans $3.10 million Profit Margin - Quarterly Net Interest Margin 3.59% Return on Assets 1.7% Return on Equity 10.88% Interest Income $1.43 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 Warren Bank and Trust Company had $2.89 million in non-current loans and owned real-estate with $23.72 million in equity and loan loss allowances on hand to cover it. This gives Warren Bank and Trust Company a Texas Ratio of 12.19% 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 Warren Bank and Trust Company decreased slightly from 15.75% as of March 31, 2011 to 12.19% as of March 31, 2012, resulting in a positive change of 22.60%.This indicates that the balance sheet and financial strength for Warren Bank and Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Warren Bank and Trust Company has increased its total deposits by $4.44 million, resulting in 4.02% 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 Warren Bank and Trust Company has shown is above 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. Warren Bank and Trust Company has $138.9 million in assets with $23.72 million in equity, resulting in a capitalization level of 17.08%, which is excellent.

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