City Savings Bank & Trust Company

City Savings Bank & Trust Company is headquartered in Deridder and is the 63^rd largest bank in the state of Louisiana. It is also the 2,844^th largest bank in the nation. It was established in 1928 and as of March of 2012, it had grown to 93 employees at 7 locations. City Savings Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics City Savings Bank & Trust Company FDIC Certificate # 10534 BankRate Report View Year Established 1928 Employees 93 Primary Regulator FDIC Assets and Liabilities Assets $224.66 million Loans $154.28 million Deposits $197.78 million Equity Capital $25.89 million Loan Loss Allowance $1.97 million Unbacked Noncurrent Loans $283,000 Real Estate Owned $240,000 Historic Data - March 2011 Assets $199.57 million Equity Capital $23.39 million Loan Loss Allowance $1.76 million Unbacked Noncurrent Loans $254,000 Real Estate Owned $288,000 Profit Margin - Quarterly Net Interest Margin 5.31% Return on Assets 2.24% Return on Equity 19.48% Interest Income $2.96 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 Savings Bank & Trust Company had $523,000 in non-current loans and owned real-estate with $27.85 million in equity and loan loss allowances on hand to cover it. This gives City Savings Bank & Trust Company a Texas Ratio of 1.88% 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 Savings Bank & Trust Company held steady from 2.15% as of March 31, 2011 to 1.88% as of March 31, 2012, resulting in a positive change of 12.84%.This indicates that the balance sheet and financial strength for City Savings Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, City Savings Bank & Trust Company has increased its total deposits by $22.99 million, resulting in 13.16% 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 Savings Bank & Trust Company has shown is excellent. 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 Savings Bank & Trust Company has $224.66 million in assets with $27.85 million in equity, resulting in a capitalization level of 12.40%, which is excellent.

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