Coastal Commerce Bank

Coastal Commerce Bank is headquartered in Houma and is the 37^th largest bank in the state of Louisiana. It is also the 1,952^nd largest bank in the nation. It was established in 1999 and as of September of 2011, it had grown to 84 employees at 7 locations. Coastal Commerce Bank's savings rates are 94% higher than the national average, and it has a 3-star health rating.

Coastal Commerce Bank Routing Number: 065405284

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Data for Q3 2011

Institution Statistics Coastal Commerce Bank FDIC Certificate # 35005 BankRate Report View Year Established 1999 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $333.23 million Loans $234.40 million Deposits $298.00 million Equity Capital $27.17 million Loan Loss Allowance $3.98 million Unbacked Noncurrent Loans $5.84 million Real Estate Owned $713,000 Historic Data - September 2010 Assets $355.99 million Equity Capital $25.78 million Loan Loss Allowance $4.10 million Unbacked Noncurrent Loans $1.40 million Real Estate Owned $630,000 Profit Margin - Quarterly Net Interest Margin 4.17% Return on Assets 1.22% Return on Equity 15.14% Interest Income $13.01 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 September 30, 2011 Coastal Commerce Bank had $6.55 million in non-current loans and owned real-estate with $31.15 million in equity and loan loss allowances on hand to cover it. This gives Coastal Commerce Bank a Texas Ratio of 21.04% 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 Coastal Commerce Bank increased slightly from 6.75% as of September 30, 2010 to 21.04% as of September 30, 2011, resulting in a negative change of 211.48%. This indicates that the balance sheet and financial strength for Coastal Commerce Bank has declined slightly in recent periods. Deposit Growth In the past year, Coastal Commerce Bank has decreased its total deposits by -$14.95 million, resulting in -4.78% 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 Coastal Commerce Bank 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. Coastal Commerce Bank has $333.23 million in assets with $31.15 million in equity, resulting in a capitalization level of 9.35%, which is average.

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