Farmers State Bank & Trust Co. (LA)

Farmers State Bank & Trust Co. (LA) is headquartered in Church Point and is the 116^st largest bank in the state of Louisiana. It is also the 5,185^th largest bank in the nation. It was established in 1944 and as of March of 2012, it had grown to 46 employees at 6 locations. Farmers State Bank & Trust Co. (LA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Farmers State Bank & Trust Co. FDIC Certificate # 16114 BankRate Report View Year Established 1944 Employees 46 Primary Regulator FDIC Assets and Liabilities Assets $91.20 million Loans $46.56 million Deposits $82.78 million Equity Capital $8.20 million Loan Loss Allowance $866,000 Unbacked Noncurrent Loans $829,000 Historic Data - March 2011 Assets $90.93 million Equity Capital $7.56 million Loan Loss Allowance $772,000 Unbacked Noncurrent Loans $852,000 Profit Margin - Quarterly Net Interest Margin 4.89% Return on Assets 1.42% Return on Equity 15.03% Interest Income $1.06 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 Farmers State Bank & Trust Co. (LA) had $829,000 in non-current loans and owned real-estate with $9.07 million in equity and loan loss allowances on hand to cover it. This gives Farmers State Bank & Trust Co. (LA) a Texas Ratio of 9.14% 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 Farmers State Bank & Trust Co. (LA) held steady from 10.23% as of March 31, 2011 to 9.14% as of March 31, 2012, resulting in a positive change of 10.60%.This indicates that the balance sheet and financial strength for Farmers State Bank & Trust Co. (LA) has held steady in recent periods. Deposit Growth In the past year, Farmers State Bank & Trust Co. (LA) has decreased its total deposits by $-278,000, resulting in -0.33% 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 Farmers State Bank & Trust Co. (LA) 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. Farmers State Bank & Trust Co. (LA) has $91.2 million in assets with $9.07 million in equity, resulting in a capitalization level of 9.94%, which is average.

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