Vitals
  • Total Assets
    42.1M
  • Total Deposits
    31.8M
  • Total Net Loans
    39.0M
  • Net Income
    63000.0000
  • Book Value
    4.8M
  • Book Value x2
    9.6M
  • Book Value x3
    14.3M
ROAA

.331

ROAE

2.654

Efficiency Ratio

79.428

Net Interest Margin

4.681

Balance Sheet Highlights
Financial Highlights First Bank & Trust All Insured Commercial Banks in Texas
Balance Sheet $(000)
Total Assets 42,101 118,075
Total Net Loans 39,035 63,722
Total Deposits 31,770 100,790
Total Equity 4,783 11,966
Profitability
Net Income 63 1,655
Return on Average Assets .331 1.305
Return on Average Equity 2.654 13.157
Net Interest Margin 4.681 4.347
Efficiency Ratio 79.428 68.452
Noninterest Income/Revenue 3.606 17.538
Balance Sheet Ratios
Loan-to-Deposit 122.868 60.569
Securities/Assets .679
Total Equity/Total Assets .114 .101
Tangible Equity/Tangible Assets .114 -.065
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 4,783 10,918
Tier 2 Capital 385 749
Total Capital 5,168 11,683
Total Risk Weighted Assets 37,506 71,672
Leverage Ratio 11.96 9.717
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 12.75 16.9
Total Capital Ratio 13.78 17.979

Timeline for First Bank & Trust

Gnb Financial, National Association

First Bank & Trust was acquired by Gnb Financial, National Association 20 years

View Profile Jul 01 2003

Guaranty National Bancshares, Inc.

Guaranty National Bancshares, Inc. became a new parent organization for First Bank & Trust.

View Profile Jul 18 2001

First Bank & Trust

First Bank & Trust was established 22 years ago and is currently headquartered in Ennis, TX.

Jul 16 2001
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Gnb Financial, National Association Buyer 259,893 Pooling of Interests Discontinued 7/1/2003
Relationships Role Relationship Start Relationship End
Guaranty National Bancshares, Inc. Parent 7/18/2001 6/30/2003
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