First NBC Bank

First NBC Bank is headquartered in New Orleans and is the 4^th largest bank in the state of Louisiana. It is also the 302^nd largest bank in the nation. It was established in 2006 and as of March of 2012, it had grown to 409 employees at 33 locations. First NBC Bank has a 4-star health rating.

First NBC Bank Routing Number: 065005435

Data for Q1 2012

Institution Statistics First NBC Bank FDIC Certificate # 58302 BankRate Report View Year Established 2006 Employees 409 Primary Regulator FDIC Assets and Liabilities Assets $2.32 billion Loans $1.68 billion Deposits $2.00 billion Equity Capital $229.17 million Loan Loss Allowance $20.38 million Unbacked Noncurrent Loans $12.12 million Real Estate Owned $9.46 million Historic Data - March 2011 Assets $1.54 billion Equity Capital $141.97 million Loan Loss Allowance $13.14 million Unbacked Noncurrent Loans $5.07 million Real Estate Owned $4.41 million Profit Margin - Quarterly Net Interest Margin 3.39% Return on Assets 1.07% Return on Equity 10.8% Interest Income $25.58 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 NBC Bank had $21.58 million in non-current loans and owned real-estate with $249.55 million in equity and loan loss allowances on hand to cover it. This gives First NBC Bank a Texas Ratio of 8.65% 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 NBC Bank held steady from 6.05% as of March 31, 2011 to 8.65% as of March 31, 2012, resulting in a negative change of 42.94%. This indicates that the balance sheet and financial strength for First NBC Bank has held steady in recent periods. Deposit Growth In the past year, First NBC Bank has increased its total deposits by $643.85 million, resulting in 47.63% 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 NBC Bank 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 NBC Bank has $2.32 billion in assets with $249.55 million in equity, resulting in a capitalization level of 10.75%, which is above average.

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