Bank of Commerce & Trust Co.

Bank of Commerce & Trust Co. is headquartered in Crowley and is the 38^th largest bank in the state of Louisiana. It is also the 1,940^th largest bank in the nation. It was established in 1926 and as of December of 2011, it had grown to 80 employees at 5 locations. Bank of Commerce & Trust Co.'s savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

Bank of Commerce & Trust Co. Checking Account Rates

Bank of Commerce & Trust Co. Savings Account Rates

Bank of Commerce & Trust Co. Money Market Rates

Bank of Commerce & Trust Co. CD Rates

Data for Q4 2011

Institution Statistics Bank of Commerce & Trust Co. FDIC Certificate # 10523 BankRate Report View Year Established 1926 Employees 80 Primary Regulator FDIC Assets and Liabilities Assets $335.59 million Loans $89.62 million Deposits $284.05 million Equity Capital $36.37 million Loan Loss Allowance $459,000 Unbacked Noncurrent Loans $1.04 million Real Estate Owned $41,000 Historic Data - December 2010 Assets $310.47 million Equity Capital $32.30 million Loan Loss Allowance $513,000 Unbacked Noncurrent Loans $1.44 million Profit Margin - Quarterly Net Interest Margin 2.82% Return on Assets 0.77% Return on Equity 7.01% Interest Income $10.66 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 Commerce & Trust Co. had $1.08 million in non-current loans and owned real-estate with $36.83 million in equity and loan loss allowances on hand to cover it. This gives Bank of Commerce & Trust Co. a Texas Ratio of 2.94% 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 Commerce & Trust Co. decreased slightly from 4.38% as of December 31, 2010 to 2.94% as of December 31, 2011, resulting in a positive change of 32.92%.This indicates that the balance sheet and financial strength for Bank of Commerce & Trust Co. has improved slightly in recent periods. Deposit Growth In the past year, Bank of Commerce & Trust Co. has increased its total deposits by $21.41 million, resulting in 8.15% 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 Commerce & Trust Co. 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 Commerce & Trust Co. has $335.59 million in assets with $36.83 million in equity, resulting in a capitalization level of 10.98%, which is above average.

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