Cottonport Bank

Cottonport Bank is headquartered in Cottonport and is the 35^th largest bank in the state of Louisiana. It is also the 1,890^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 142 employees at 12 locations. Cottonport Bank's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Cottonport Bank FDIC Certificate # 8798 BankRate Report View Year Established 1902 Employees 142 Primary Regulator FDIC Assets and Liabilities Assets $348.07 million Loans $177.93 million Deposits $308.57 million Equity Capital $33.69 million Loan Loss Allowance $1.66 million Unbacked Noncurrent Loans $4.44 million Real Estate Owned $804,000 Historic Data - March 2011 Assets $319.18 million Equity Capital $29.29 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $2.37 million Real Estate Owned $1.15 million Profit Margin - Quarterly Net Interest Margin 3.81% Return on Assets 0.96% Return on Equity 9.93% Interest Income $3.58 million

Institution Health Overall Score: 4 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 Cottonport Bank had $5.24 million in non-current loans and owned real-estate with $35.35 million in equity and loan loss allowances on hand to cover it. This gives Cottonport Bank a Texas Ratio of 14.82% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Cottonport Bank held steady from 11.28% as of March 31, 2011 to 14.82% as of March 31, 2012, resulting in a negative change of 31.35%. This indicates that the balance sheet and financial strength for Cottonport Bank has held steady in recent periods. Deposit Growth In the past year, Cottonport Bank has increased its total deposits by $25.2 million, resulting in 8.89% 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 Cottonport Bank 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. Cottonport Bank has $348.06 million in assets with $35.35 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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