Feliciana Bank & Trust Company

Feliciana Bank & Trust Company is headquartered in Clinton and is the 100^th largest bank in the state of Louisiana. It is also the 4,569^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 36 employees at 3 locations. Feliciana Bank & Trust Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Feliciana Bank & Trust Company FDIC Certificate # 1380 BankRate Report View Year Established 1904 Employees 36 Primary Regulator FDIC Assets and Liabilities Assets $115.39 million Loans $72.14 million Deposits $103.13 million Equity Capital $10.95 million Loan Loss Allowance $1.60 million Unbacked Noncurrent Loans $4.67 million Real Estate Owned $903,000 Historic Data - March 2011 Assets $118.78 million Equity Capital $10.83 million Loan Loss Allowance $646,000 Unbacked Noncurrent Loans $3.61 million Real Estate Owned $939,000 Profit Margin - Quarterly Net Interest Margin 4.22% Return on Assets -1.14% Return on Equity -11.73% Interest Income $1.43 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 Feliciana Bank & Trust Company had $5.58 million in non-current loans and owned real-estate with $12.56 million in equity and loan loss allowances on hand to cover it. This gives Feliciana Bank & Trust Company a Texas Ratio of 44.42% 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 Feliciana Bank & Trust Company held steady from 39.65% as of March 31, 2011 to 44.42% as of March 31, 2012, resulting in a negative change of 12.03%. This indicates that the balance sheet and financial strength for Feliciana Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Feliciana Bank & Trust Company has decreased its total deposits by -$3.53 million, resulting in -3.31% 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 Feliciana Bank & Trust Company 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. Feliciana Bank & Trust Company has $115.39 million in assets with $12.56 million in equity, resulting in a capitalization level of 10.88%, which is above average.

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