Caldwell Bank & Trust Company

Caldwell Bank & Trust Company is headquartered in Columbia and is the 111^st largest bank in the state of Louisiana. It is also the 5,003^rd largest bank in the nation. It was established in 1902 and as of December of 2011, it had grown to 31 employees at 2 locations. Caldwell Bank & Trust Company has a 3-star health rating.

Data for Q4 2011

Institution Statistics Caldwell Bank & Trust Company FDIC Certificate # 11785 BankRate Report View Year Established 1902 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $97.52 million Loans $64.13 million Deposits $85.21 million Equity Capital $9.07 million Loan Loss Allowance $666,000 Unbacked Noncurrent Loans $1.59 million Real Estate Owned $118,000 Historic Data - December 2010 Assets $98.83 million Equity Capital $8.30 million Loan Loss Allowance $739,000 Unbacked Noncurrent Loans $1.64 million Real Estate Owned $3,000 Profit Margin - Quarterly Net Interest Margin 5.51% Return on Assets 1.93% Return on Equity 19.87% Interest Income $5.63 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 Caldwell Bank & Trust Company had $1.71 million in non-current loans and owned real-estate with $9.74 million in equity and loan loss allowances on hand to cover it. This gives Caldwell Bank & Trust Company a Texas Ratio of 17.53% 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 Caldwell Bank & Trust Company held steady from 19.23% as of December 31, 2010 to 17.53% as of December 31, 2011, resulting in a positive change of 8.83%.This indicates that the balance sheet and financial strength for Caldwell Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Caldwell Bank & Trust Company has decreased its total deposits by $-911,000, resulting in -1.06% 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 Caldwell Bank & Trust Company 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. Caldwell Bank & Trust Company has $97.52 million in assets with $9.74 million in equity, resulting in a capitalization level of 9.98%, which is average.

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