Hodge Bank & Trust Company

Hodge Bank & Trust Company is headquartered in Hodge and is the 128^th largest bank in the state of Louisiana. It is also the 5,914^st largest bank in the nation. It was established in 1965 and as of March of 2012, it had grown to 15 employees at 1 location. Hodge Bank & Trust Company has a 5-star health rating.

Hodge Bank & Trust Company Routing Number: 111101128

Data for Q1 2012

Institution Statistics Hodge Bank & Trust Company FDIC Certificate # 19354 BankRate Report View Year Established 1965 Employees 15 Primary Regulator FDIC Assets and Liabilities Assets $65.35 million Loans $36.14 million Deposits $55.82 million Equity Capital $8.23 million Loan Loss Allowance $680,000 Unbacked Noncurrent Loans $411,000 Real Estate Owned $2,000 Historic Data - March 2011 Assets $63.38 million Equity Capital $7.42 million Loan Loss Allowance $523,000 Unbacked Noncurrent Loans $228,000 Real Estate Owned $4,000 Profit Margin - Quarterly Net Interest Margin 4.45% Return on Assets 1.9% Return on Equity 14.92% Interest Income $763,000

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 Hodge Bank & Trust Company had $413,000 in non-current loans and owned real-estate with $8.91 million in equity and loan loss allowances on hand to cover it. This gives Hodge Bank & Trust Company a Texas Ratio of 4.64% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hodge Bank & Trust Company held steady from 2.92% as of March 31, 2011 to 4.64% as of March 31, 2012, resulting in a negative change of 58.79%. This indicates that the balance sheet and financial strength for Hodge Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Hodge Bank & Trust Company has increased its total deposits by $1.14 million, resulting in 2.08% 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 Hodge Bank & Trust Company has shown is above 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. Hodge Bank & Trust Company has $65.35 million in assets with $8.91 million in equity, resulting in a capitalization level of 13.63%, which is excellent.

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