Florida Parishes Bank

Florida Parishes Bank is headquartered in Hammond and is the 73^rd largest bank in the state of Louisiana. It is also the 3,279^th largest bank in the nation. It was established in 1922 and as of March of 2012, it had grown to 63 employees at 3 locations. Florida Parishes Bank has a 4-star health rating.

Florida Parishes Bank Routing Number: 265470242

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Data for Q1 2012

Institution Statistics Florida Parishes Bank OTS # 03862 FDIC Certificate # 29670 BankRate Report View Year Established 1922 Employees 63 Primary Regulator OCC Assets and Liabilities Assets $187.63 million Loans $123.75 million Deposits $150.41 million Equity Capital $18.29 million Loan Loss Allowance $3.04 million Unbacked Noncurrent Loans $2.90 million Real Estate Owned $1.08 million Historic Data - March 2011 Assets $178.95 million Equity Capital $17.06 million Loan Loss Allowance $2.66 million Unbacked Noncurrent Loans $1.58 million Real Estate Owned $1.23 million Profit Margin - Quarterly Net Interest Margin 5.62% Return on Assets 1.12% Return on Equity 11.52% Interest Income $2.68 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 Florida Parishes Bank had $3.98 million in non-current loans and owned real-estate with $21.33 million in equity and loan loss allowances on hand to cover it. This gives Florida Parishes Bank a Texas Ratio of 18.69% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Florida Parishes Bank held steady from 14.24% as of March 31, 2011 to 18.69% as of March 31, 2012, resulting in a negative change of 31.25%. This indicates that the balance sheet and financial strength for Florida Parishes Bank has held steady in recent periods. Deposit Growth In the past year, Florida Parishes Bank has increased its total deposits by $16.49 million, resulting in 12.31% 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 Florida Parishes 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. Florida Parishes Bank has $187.63 million in assets with $21.33 million in equity, resulting in a capitalization level of 11.37%, which is above average.

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