Gibsland Bank & Trust Company

Gibsland Bank & Trust Company is headquartered in Gibsland and is the 54^th largest bank in the state of Louisiana. It is also the 2,614^st largest bank in the nation. It was established in 1948 and as of March of 2012, it had grown to 80 employees at 8 locations. Gibsland Bank & Trust Company's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q1 2012

Institution Statistics Gibsland Bank & Trust Company FDIC Certificate # 16689 BankRate Report View Year Established 1948 Employees 80 Primary Regulator FDIC Assets and Liabilities Assets $245.93 million Loans $170.15 million Deposits $221.39 million Equity Capital $20.85 million Loan Loss Allowance $967,000 Unbacked Noncurrent Loans $2.40 million Real Estate Owned $1.20 million Historic Data - March 2011 Assets $213.73 million Equity Capital $17.90 million Loan Loss Allowance $906,000 Unbacked Noncurrent Loans $1.59 million Real Estate Owned $897,000 Profit Margin - Quarterly Net Interest Margin 4.89% Return on Assets 1.5% Return on Equity 18.39% Interest Income $3.29 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 Gibsland Bank & Trust Company had $3.61 million in non-current loans and owned real-estate with $21.82 million in equity and loan loss allowances on hand to cover it. This gives Gibsland Bank & Trust Company a Texas Ratio of 16.53% 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 Gibsland Bank & Trust Company held steady from 13.22% as of March 31, 2011 to 16.53% as of March 31, 2012, resulting in a negative change of 25.07%. This indicates that the balance sheet and financial strength for Gibsland Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Gibsland Bank & Trust Company has increased its total deposits by $27.9 million, resulting in 14.42% 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 Gibsland Bank & Trust Company 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. Gibsland Bank & Trust Company has $245.93 million in assets with $21.82 million in equity, resulting in a capitalization level of 8.87%, which is average.

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