Abbeville Building & Loan (A State-Chartered Savings Bank)

Abbeville Building & Loan (A State-Chartered Savings Bank) is headquartered in Abbeville and is the 140^th largest bank in the state of Louisiana. It is also the 6,636^th largest bank in the nation. It was established in 1890 and as of December of 2011, it had grown to 18 employees at 1 location. Abbeville Building & Loan (A State-Chartered Savings Bank) has a 4-star health rating.

Data for Q4 2011

Institution Statistics Abbeville Building & Loan (A State-Chartered Savings Bank) FDIC Certificate # 30332 BankRate Report View Year Established 1890 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $41.61 million Loans $35.73 million Deposits $28.24 million Equity Capital $11.27 million Loan Loss Allowance $535,000 Unbacked Noncurrent Loans $1.68 million Historic Data - December 2010 Assets $40.80 million Equity Capital $10.56 million Loan Loss Allowance $435,000 Unbacked Noncurrent Loans $957,000 Real Estate Owned $55,000 Profit Margin - Quarterly Net Interest Margin 4.95% Return on Assets 1.7% Return on Equity 6.51% Interest Income $2.30 million

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 December 31, 2011 Abbeville Building & Loan (A State-Chartered Savings Bank) had $1.68 million in non-current loans and owned real-estate with $11.81 million in equity and loan loss allowances on hand to cover it. This gives Abbeville Building & Loan (A State-Chartered Savings Bank) a Texas Ratio of 14.25% 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 Abbeville Building & Loan (A State-Chartered Savings Bank) increased slightly from 9.20% as of December 31, 2010 to 14.25% as of December 31, 2011, resulting in a negative change of 54.91%. This indicates that the balance sheet and financial strength for Abbeville Building & Loan (A State-Chartered Savings Bank) has declined slightly in recent periods. Deposit Growth In the past year, Abbeville Building & Loan (A State-Chartered Savings Bank) has increased its total deposits by $2.17 million, resulting in 8.33% 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 Abbeville Building & Loan (A State-Chartered Savings Bank) 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. Abbeville Building & Loan (A State-Chartered Savings Bank) has $41.61 million in assets with $11.81 million in equity, resulting in a capitalization level of 28.38%, which is excellent.

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