Iberville Bank

Iberville Bank is headquartered in Plaquemine and is the 60^th largest bank in the state of Louisiana. It is also the 2,794^th largest bank in the nation. It was established in 1931 and as of March of 2012, it had grown to 84 employees at 11 locations. Iberville Bank has a 4-star health rating.

Iberville Bank Routing Number: 065400603

Data for Q1 2012

Institution Statistics Iberville Bank FDIC Certificate # 8807 BankRate Report View Year Established 1931 Employees 84 Primary Regulator FDIC Assets and Liabilities Assets $228.06 million Loans $116.40 million Deposits $200.37 million Equity Capital $21.48 million Loan Loss Allowance $2.25 million Unbacked Noncurrent Loans $3.82 million Real Estate Owned $1.91 million Historic Data - March 2011 Assets $223.57 million Equity Capital $20.97 million Loan Loss Allowance $2.60 million Unbacked Noncurrent Loans $8.25 million Real Estate Owned $2.62 million Profit Margin - Quarterly Net Interest Margin 3.7% Return on Assets 0.13% Return on Equity 1.37% Interest Income $2.10 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 Iberville Bank had $5.73 million in non-current loans and owned real-estate with $23.72 million in equity and loan loss allowances on hand to cover it. This gives Iberville Bank a Texas Ratio of 24.14% 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 Iberville Bank decreased significantly from 46.10% as of March 31, 2011 to 24.14% as of March 31, 2012, resulting in a positive change of 47.63%.This indicates that the balance sheet and financial strength for Iberville Bank has improved significantly in recent periods. Deposit Growth In the past year, Iberville Bank has increased its total deposits by $4.9 million, resulting in 2.5% 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 Iberville Bank 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. Iberville Bank has $228.06 million in assets with $23.72 million in equity, resulting in a capitalization level of 10.40%, which is above average.

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