Catahoula - LaSalle Bank

Catahoula - LaSalle Bank is headquartered in Jonesville and is the 108^th largest bank in the state of Louisiana. It is also the 4,871^st largest bank in the nation. It was established in 1907 and as of December of 2011, it had grown to 37 employees at 4 locations. Catahoula - LaSalle Bank has a 5-star health rating.

Data for Q4 2011

Institution Statistics Catahoula - LaSalle Bank FDIC Certificate # 10532 BankRate Report View Year Established 1907 Employees 37 Primary Regulator FDIC Assets and Liabilities Assets $102.76 million Loans $42.48 million Deposits $91.03 million Equity Capital $11.55 million Loan Loss Allowance $367,000 Unbacked Noncurrent Loans $700,000 Real Estate Owned $34,000 Historic Data - December 2010 Assets $98.29 million Equity Capital $11.25 million Loan Loss Allowance $336,000 Unbacked Noncurrent Loans $760,000 Real Estate Owned $51,000 Profit Margin - Quarterly Net Interest Margin 4.25% Return on Assets 1.21% Return on Equity 10.56% Interest Income $4.51 million

Institution Health Overall Score: 5 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 Catahoula - LaSalle Bank had $734,000 in non-current loans and owned real-estate with $11.92 million in equity and loan loss allowances on hand to cover it. This gives Catahoula - LaSalle Bank a Texas Ratio of 6.16% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Catahoula - LaSalle Bank decreased slightly from 9.10% as of December 31, 2010 to 6.16% as of December 31, 2011, resulting in a positive change of 32.31%.This indicates that the balance sheet and financial strength for Catahoula - LaSalle Bank has improved slightly in recent periods. Deposit Growth In the past year, Catahoula - LaSalle Bank has increased its total deposits by $4.18 million, resulting in 4.82% 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 Catahoula - LaSalle 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. Catahoula - LaSalle Bank has $102.76 million in assets with $11.92 million in equity, resulting in a capitalization level of 11.60%, which is above average.

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