Bank of Louisiana (LA)

Bank of Louisiana (LA) is headquartered in New Orleans and is the 114^st largest bank in the state of Louisiana. It is also the 5,192^nd largest bank in the nation. It was established in 1958 and as of December of 2011, it had grown to 64 employees at 7 locations. Bank of Louisiana (LA) has a 3-star health rating.

Data for Q4 2011

Institution Statistics Bank of Louisiana FDIC Certificate # 17878 BankRate Report View Year Established 1958 Employees 64 Primary Regulator FDIC Assets and Liabilities Assets $90.68 million Loans $54.44 million Deposits $77.93 million Equity Capital $12.19 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $4.00 million Real Estate Owned $4.60 million Historic Data - December 2010 Assets $93.45 million Equity Capital $12.10 million Loan Loss Allowance $1.80 million Unbacked Noncurrent Loans $4.17 million Real Estate Owned $3.14 million Profit Margin - Quarterly Net Interest Margin 7.01% Return on Assets 0.1% Return on Equity 0.75% Interest Income $5.79 million

Institution Health Overall Score: 3 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 Louisiana (LA) had $8.59 million in non-current loans and owned real-estate with $13.99 million in equity and loan loss allowances on hand to cover it. This gives Bank of Louisiana (LA) a Texas Ratio of 61.43% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of Louisiana (LA) increased slightly from 52.59% as of December 31, 2010 to 61.43% as of December 31, 2011, resulting in a negative change of 16.80%. This indicates that the balance sheet and financial strength for Bank of Louisiana (LA) has declined slightly in recent periods. Deposit Growth In the past year, Bank of Louisiana (LA) has decreased its total deposits by -$2.93 million, resulting in -3.62% 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 Louisiana (LA) has shown is below 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 Louisiana (LA) has $90.68 million in assets with $13.99 million in equity, resulting in a capitalization level of 15.43%, which is excellent.

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