Bank of Gueydan

Bank of Gueydan is headquartered in Gueydan and is the 120^th largest bank in the state of Louisiana. It is also the 5,357^th largest bank in the nation. It was established in 1927 and as of December of 2011, it had grown to 14 employees at 1 location. Bank of Gueydan has a 5-star health rating.

Bank of Gueydan Routing Number: 065201831

Data for Q4 2011

Institution Statistics Bank of Gueydan FDIC Certificate # 8144 BankRate Report View Year Established 1927 Employees 14 Primary Regulator FED Assets and Liabilities Assets $84.59 million Loans $19.36 million Deposits $68.68 million Equity Capital $15.40 million Loan Loss Allowance $434,000 Unbacked Noncurrent Loans $140,000 Historic Data - December 2010 Assets $81.95 million Equity Capital $15.35 million Loan Loss Allowance $373,000 Unbacked Noncurrent Loans $104,000 Profit Margin - Quarterly Net Interest Margin 2.36% Return on Assets 0.61% Return on Equity 3.22% Interest Income $2.25 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 Gueydan had $140,000 in non-current loans and owned real-estate with $15.84 million in equity and loan loss allowances on hand to cover it. This gives Bank of Gueydan a Texas Ratio of 0.88% 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 Gueydan held steady from 0.66% as of December 31, 2010 to 0.88% as of December 31, 2011, resulting in a negative change of 33.66%. This indicates that the balance sheet and financial strength for Bank of Gueydan has held steady in recent periods. Deposit Growth In the past year, Bank of Gueydan has increased its total deposits by $2.61 million, resulting in 3.95% 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 Gueydan 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. Bank of Gueydan has $84.59 million in assets with $15.84 million in equity, resulting in a capitalization level of 18.72%, which is excellent.

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