Delta Trust & Bank

Delta Trust & Bank is headquartered in Parkdale and is the 28^th largest bank in the state of Arkansas. It is also the 1,688^th largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 122 employees at 9 locations. Delta Trust & Bank's savings rates are 3X the national average, and it has a 3-star health rating.

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Delta Trust & Bank Savings Account Rates

Data for Q1 2012

Institution Statistics Delta Trust & Bank FDIC Certificate # 92 BankRate Report View Year Established 1910 Employees 122 Primary Regulator FDIC Assets and Liabilities Assets $395.22 million Loans $281.08 million Deposits $346.72 million Equity Capital $35.50 million Loan Loss Allowance $5.06 million Unbacked Noncurrent Loans $8.38 million Real Estate Owned $4.64 million Historic Data - March 2011 Assets $381.08 million Equity Capital $31.51 million Loan Loss Allowance $4.45 million Unbacked Noncurrent Loans $4.08 million Real Estate Owned $5.62 million Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 0.96% Return on Equity 10.6% Interest Income $4.86 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 March 31, 2012 Delta Trust & Bank had $13.02 million in non-current loans and owned real-estate with $40.56 million in equity and loan loss allowances on hand to cover it. This gives Delta Trust & Bank a Texas Ratio of 32.11% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Delta Trust & Bank increased slightly from 26.98% as of March 31, 2011 to 32.11% as of March 31, 2012, resulting in a negative change of 19.00%. This indicates that the balance sheet and financial strength for Delta Trust & Bank has declined slightly in recent periods. Deposit Growth In the past year, Delta Trust & Bank has decreased its total deposits by $-795,000, resulting in -0.23% 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 Delta Trust & Bank has shown is 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. Delta Trust & Bank has $395.22 million in assets with $40.56 million in equity, resulting in a capitalization level of 10.26%, which is above average.

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