City Bank & Trust Co. (LA)

City Bank & Trust Co. (LA) is headquartered in Natchitoches and is the 57^th largest bank in the state of Louisiana. It is also the 2,677^th largest bank in the nation. It was established in 1933 and as of March of 2012, it had grown to 69 employees at 5 locations. City Bank & Trust Co. (LA)'s savings rates are 3X the national average, and it boasts a 5-star health rating.

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Data for Q1 2012

Institution Statistics City Bank & Trust Co. FDIC Certificate # 12608 BankRate Report View Year Established 1933 Employees 69 Primary Regulator FDIC Assets and Liabilities Assets $240.25 million Loans $81.42 million Deposits $214.98 million Equity Capital $22.28 million Loan Loss Allowance $482,000 Unbacked Noncurrent Loans $581,000 Real Estate Owned $450,000 Historic Data - March 2011 Assets $232.00 million Equity Capital $22.73 million Loan Loss Allowance $485,000 Unbacked Noncurrent Loans $1.25 million Real Estate Owned $13,000 Profit Margin - Quarterly Net Interest Margin 2.77% Return on Assets 0.8% Return on Equity 8.65% Interest Income $1.86 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 March 31, 2012 City Bank & Trust Co. (LA) had $1.03 million in non-current loans and owned real-estate with $22.76 million in equity and loan loss allowances on hand to cover it. This gives City Bank & Trust Co. (LA) a Texas Ratio of 4.53% 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 City Bank & Trust Co. (LA) decreased slightly from 5.44% as of March 31, 2011 to 4.53% as of March 31, 2012, resulting in a positive change of 16.74%.This indicates that the balance sheet and financial strength for City Bank & Trust Co. (LA) has improved slightly in recent periods. Deposit Growth In the past year, City Bank & Trust Co. (LA) has increased its total deposits by $8.7 million, resulting in 4.22% 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 City Bank & Trust Co. (LA) 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. City Bank & Trust Co. (LA) has $240.25 million in assets with $22.76 million in equity, resulting in a capitalization level of 9.47%, which is average.

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