Bank of Zachary

Bank of Zachary is headquartered in Zachary and is the 70^th largest bank in the state of Louisiana. It is also the 3,329^th largest bank in the nation. It was established in 1904 and as of December of 2011, it had grown to 47 employees at 3 locations. Bank of Zachary has a 4-star health rating.

Bank of Zachary Routing Number: 065402520

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Data for Q4 2011

Institution Statistics Bank of Zachary FDIC Certificate # 306 BankRate Report View Year Established 1904 Employees 47 Primary Regulator FDIC Assets and Liabilities Assets $182.70 million Loans $76.55 million Deposits $155.34 million Equity Capital $17.94 million Loan Loss Allowance $1.36 million Unbacked Noncurrent Loans $1.60 million Real Estate Owned $194,000 Historic Data - December 2010 Assets $170.30 million Equity Capital $15.58 million Loan Loss Allowance $1.56 million Unbacked Noncurrent Loans $1.20 million Real Estate Owned $60,000 Profit Margin - Quarterly Net Interest Margin 4.01% Return on Assets 1.03% Return on Equity 11.03% Interest Income $7.94 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 Bank of Zachary had $1.8 million in non-current loans and owned real-estate with $19.3 million in equity and loan loss allowances on hand to cover it. This gives Bank of Zachary a Texas Ratio of 9.31% 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 Bank of Zachary held steady from 7.37% as of December 31, 2010 to 9.31% as of December 31, 2011, resulting in a negative change of 26.42%. This indicates that the balance sheet and financial strength for Bank of Zachary has held steady in recent periods. Deposit Growth In the past year, Bank of Zachary has increased its total deposits by $7.84 million, resulting in 5.31% 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 Zachary 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 Zachary has $182.7 million in assets with $19.3 million in equity, resulting in a capitalization level of 10.57%, which is above average.

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