Business First Bank

Business First Bank is headquartered in Baton Rouge and is the 18^st largest bank in the state of Louisiana. It is also the 1,000^th largest bank in the nation. It was established in 2006 and as of December of 2011, it had grown to 100 employees at 5 locations. Business First Bank has a 4-star health rating.

Business First Bank Routing Number: 065405420

Data for Q4 2011

Institution Statistics Business First Bank FDIC Certificate # 58228 BankRate Report View Year Established 2006 Employees 100 Primary Regulator FDIC Assets and Liabilities Assets $654.35 million Loans $434.52 million Deposits $544.76 million Equity Capital $64.20 million Loan Loss Allowance $7.34 million Unbacked Noncurrent Loans $10.82 million Real Estate Owned $1.74 million Historic Data - December 2010 Assets $656.70 million Equity Capital $56.76 million Loan Loss Allowance $8.01 million Unbacked Noncurrent Loans $14.41 million Real Estate Owned $1.97 million Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 0.2% Return on Equity 2.17% Interest Income $29.00 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 Business First Bank had $12.56 million in non-current loans and owned real-estate with $71.53 million in equity and loan loss allowances on hand to cover it. This gives Business First Bank a Texas Ratio of 17.56% 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 Business First Bank decreased slightly from 25.29% as of December 31, 2010 to 17.56% as of December 31, 2011, resulting in a positive change of 30.56%.This indicates that the balance sheet and financial strength for Business First Bank has improved slightly in recent periods. Deposit Growth In the past year, Business First Bank has increased its total deposits by $365,000, resulting in 0.07% 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 Business First Bank has shown is 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. Business First Bank has $654.35 million in assets with $71.53 million in equity, resulting in a capitalization level of 10.93%, which is above average.

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