Fifth District Savings Bank

Fifth District Savings Bank is headquartered in New Orleans and is the 31^st largest bank in the state of Louisiana. It is also the 1,786^th largest bank in the nation. It was established in 1926 and as of March of 2012, it had grown to 71 employees at 6 locations. Fifth District Savings Bank has a 5-star health rating.

Fifth District Savings Bank Checking Account Rates

Fifth District Savings Bank Savings Account Rates

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Fifth District Savings Bank IRA Rates

Data for Q1 2012

Institution Statistics Fifth District Savings Bank OTS # 00133 FDIC Certificate # 27697 BankRate Report View Year Established 1926 Employees 71 Primary Regulator OCC Assets and Liabilities Assets $372.87 million Loans $241.67 million Deposits $307.90 million Equity Capital $60.44 million Loan Loss Allowance $1.77 million Unbacked Noncurrent Loans $1.73 million Real Estate Owned $218,000 Historic Data - March 2011 Assets $371.81 million Equity Capital $57.64 million Loan Loss Allowance $1.71 million Unbacked Noncurrent Loans $343,000 Real Estate Owned $48,000 Profit Margin - Quarterly Net Interest Margin 3.44% Return on Assets 0.77% Return on Equity 4.74% Interest Income $3.75 million

Institution Health Overall Score: 5 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 Fifth District Savings Bank had $1.94 million in non-current loans and owned real-estate with $62.22 million in equity and loan loss allowances on hand to cover it. This gives Fifth District Savings Bank a Texas Ratio of 3.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Fifth District Savings Bank held steady from 0.66% as of March 31, 2011 to 3.12% as of March 31, 2012, resulting in a negative change of 374.27%. This indicates that the balance sheet and financial strength for Fifth District Savings Bank has held steady in recent periods. Deposit Growth In the past year, Fifth District Savings Bank has decreased its total deposits by -$2.85 million, resulting in -0.92% 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 Fifth District Savings 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. Fifth District Savings Bank has $372.87 million in assets with $62.22 million in equity, resulting in a capitalization level of 16.69%, which is excellent.

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