First Federal Bank of Louisiana

First Federal Bank of Louisiana is headquartered in Lake Charles and is the 14^st largest bank in the state of Louisiana. It is also the 858^th largest bank in the nation. It was established in 1949 and as of March of 2012, it had grown to 249 employees at 15 locations. First Federal Bank of Louisiana has a 5-star health rating.

First Federal Bank of Louisiana Routing Number: 265270345

Data for Q1 2012

Institution Statistics First Federal Bank of Louisiana OTS # 05339 FDIC Certificate # 30441 BankRate Report View Year Established 1949 Employees 249 Primary Regulator OCC Assets and Liabilities Assets $771.29 million Loans $373.78 million Deposits $609.27 million Equity Capital $96.97 million Loan Loss Allowance $1.91 million Unbacked Noncurrent Loans $8.01 million Real Estate Owned $757,000 Historic Data - March 2011 Assets $725.34 million Equity Capital $92.42 million Loan Loss Allowance $1.52 million Unbacked Noncurrent Loans $5.00 million Real Estate Owned $521,000 Profit Margin - Quarterly Net Interest Margin 2.97% Return on Assets 0.31% Return on Equity 2.42% Interest Income $6.74 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 First Federal Bank of Louisiana had $8.77 million in non-current loans and owned real-estate with $98.89 million in equity and loan loss allowances on hand to cover it. This gives First Federal Bank of Louisiana a Texas Ratio of 8.86% 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 Federal Bank of Louisiana held steady from 5.93% as of March 31, 2011 to 8.86% as of March 31, 2012, resulting in a negative change of 49.44%. This indicates that the balance sheet and financial strength for First Federal Bank of Louisiana has held steady in recent periods. Deposit Growth In the past year, First Federal Bank of Louisiana has increased its total deposits by $41.66 million, resulting in 7.34% 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 Federal Bank of Louisiana has shown is excellent. 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 Federal Bank of Louisiana has $771.29 million in assets with $98.89 million in equity, resulting in a capitalization level of 12.82%, which is excellent.

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