First American Bank and Trust

First American Bank and Trust is headquartered in Vacherie and is the 15^st largest bank in the state of Louisiana. It is also the 918^st largest bank in the nation. It was established in 1910 and as of March of 2012, it had grown to 212 employees at 24 locations. First American Bank and Trust has a 4-star health rating.

First American Bank and Trust CD Rates

Data for Q1 2012

Institution Statistics First American Bank and Trust FDIC Certificate # 8149 BankRate Report View Year Established 1910 Employees 212 Primary Regulator FDIC Assets and Liabilities Assets $723.11 million Loans $433.54 million Deposits $629.91 million Equity Capital $84.65 million Loan Loss Allowance $12.44 million Unbacked Noncurrent Loans $5.65 million Real Estate Owned $5.03 million Historic Data - March 2011 Assets $726.17 million Equity Capital $78.79 million Loan Loss Allowance $10.26 million Unbacked Noncurrent Loans $12.30 million Real Estate Owned $767,000 Profit Margin - Quarterly Net Interest Margin 4.05% Return on Assets 0.94% Return on Equity 7.95% Interest Income $7.63 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 First American Bank and Trust had $10.68 million in non-current loans and owned real-estate with $97.09 million in equity and loan loss allowances on hand to cover it. This gives First American Bank and Trust a Texas Ratio of 11.00% 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 First American Bank and Trust decreased slightly from 14.68% as of March 31, 2011 to 11.00% as of March 31, 2012, resulting in a positive change of 25.03%.This indicates that the balance sheet and financial strength for First American Bank and Trust has improved slightly in recent periods. Deposit Growth In the past year, First American Bank and Trust has decreased its total deposits by -$11.24 million, resulting in -1.75% 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 First American Bank and Trust 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. First American Bank and Trust has $723.11 million in assets with $97.09 million in equity, resulting in a capitalization level of 13.43%, which is excellent.

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