Basile State Bank

Basile State Bank is headquartered in Basile and is the 136^th largest bank in the state of Louisiana. It is also the 6,351^st largest bank in the nation. It was established in 1956 and as of December of 2011, it had grown to 18 employees at 2 locations. Basile State Bank has a 4-star health rating.

Data for Q4 2011

Institution Statistics Basile State Bank FDIC Certificate # 17621 BankRate Report View Year Established 1956 Employees 18 Primary Regulator FDIC Assets and Liabilities Assets $51.00 million Loans $38.67 million Deposits $46.02 million Equity Capital $4.89 million Loan Loss Allowance $414,000 Unbacked Noncurrent Loans $824,000 Real Estate Owned $7,000 Historic Data - December 2010 Assets $49.85 million Equity Capital $4.74 million Loan Loss Allowance $316,000 Unbacked Noncurrent Loans $527,000 Real Estate Owned $58,000 Profit Margin - Quarterly Net Interest Margin 5.51% Return on Assets 1.99% Return on Equity 20.87% Interest Income $2.99 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 Basile State Bank had $831,000 in non-current loans and owned real-estate with $5.3 million in equity and loan loss allowances on hand to cover it. This gives Basile State Bank a Texas Ratio of 15.68% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Basile State Bank held steady from 11.57% as of December 31, 2010 to 15.68% as of December 31, 2011, resulting in a negative change of 35.49%. This indicates that the balance sheet and financial strength for Basile State Bank has held steady in recent periods. Deposit Growth In the past year, Basile State Bank has increased its total deposits by $1 million, resulting in 2.23% 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 Basile State Bank 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. Basile State Bank has $51 million in assets with $5.3 million in equity, resulting in a capitalization level of 10.39%, which is above average.

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