Bank of Abbeville & Trust Company

Bank of Abbeville & Trust Company is headquartered in Abbeville and is the 76^th largest bank in the state of Louisiana. It is also the 3,654^th largest bank in the nation. It was established in 1894 and as of December of 2011, it had grown to 38 employees at 3 locations. Bank of Abbeville & Trust Company has a 5-star health rating.

Bank of Abbeville & Trust Company Routing Number: 065200861

Data for Q4 2011

Institution Statistics Bank of Abbeville & Trust Company FDIC Certificate # 11782 BankRate Report View Year Established 1894 Employees 38 Primary Regulator FDIC Assets and Liabilities Assets $161.23 million Loans $41.38 million Deposits $132.80 million Equity Capital $27.16 million Loan Loss Allowance $894,000 Unbacked Noncurrent Loans $1.72 million Real Estate Owned $391,000 Historic Data - December 2010 Assets $152.10 million Equity Capital $24.61 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $1.91 million Real Estate Owned $120,000 Profit Margin - Quarterly Net Interest Margin 3.18% Return on Assets 0.64% Return on Equity 3.86% Interest Income $5.53 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 December 31, 2011 Bank of Abbeville & Trust Company had $2.11 million in non-current loans and owned real-estate with $28.05 million in equity and loan loss allowances on hand to cover it. This gives Bank of Abbeville & Trust Company a Texas Ratio of 7.52% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Abbeville & Trust Company held steady from 8.01% as of December 31, 2010 to 7.52% as of December 31, 2011, resulting in a positive change of 6.13%.This indicates that the balance sheet and financial strength for Bank of Abbeville & Trust Company has held steady in recent periods. Deposit Growth In the past year, Bank of Abbeville & Trust Company has increased its total deposits by $6.42 million, resulting in 5.08% 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 Bank of Abbeville & Trust Company 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. Bank of Abbeville & Trust Company has $161.23 million in assets with $28.05 million in equity, resulting in a capitalization level of 17.40%, which is excellent.

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