M C Bank & Trust Company

1201 Brashear Avenue
Morgan City, LA 70380
985-384-2100
www.mcbt.com

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M C Bank & Trust Company is headquartered in Morgan City and is the 40^th largest bank in the state of Louisiana. It is also the 2,016^st largest bank in the nation. It was established in 1955 and as of March of 2012, it had grown to 79 employees at 5 locations. M C Bank & Trust Company has a 4-star health rating.

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See Rates for: Checking | Savings | Money Market | CD | IRA

M C Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
0.10%	$500	-	Hometown Advantage NOW
0.10%	$500	-	Hometown Traditions NOW
0.10%	$500	-	Prime Time NOW
0.10%	$500	-	Non-Personal NOW
0.10%	$1k	-	Public Body NOW

M C Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.15%	-	-	Regular Savings
0.15%	-	-	Christmas Club Savings
0.10%	$1k	-	The Hometown Express

M C Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.25%	$250k	-	Commercial MMDA
0.20%	$250k	-	Personal MMDA
0.10%	$2,500	-	Public Body MMDA

M C Bank & Trust Company CD Rates

Apy	Min	Max	Product
1.50%	$250k	-	Five Year CD
1.20%	$250k	-	Four Years Up to Five Years CD
0.90%	$250k	-	Three Years Up to Four Years CD
0.75%	$250k	-	Two Years Up to Three Years CD
0.30%	$100k	-	One Year Up to 2 Years CD
0.25%	$100k	-	180-364 Day CD
0.20%	$1k	-	90-179 Day CD
0.10%	$1k	-	30-89 Day CD

M C Bank & Trust Company IRA Rates

Apy	Min	Max	Product
0.70%	$1k	-	IRA 30 Month Fixed
0.48%	$100	-	IRA 18 Month Variable
0.30%	$1k	-	IRA 12 Month Fixed

Rates updated: 5/5/2012

Data for Q1 2012

Institution Statistics

M C Bank & Trust Company
FDIC Certificate #	17388
BankRate Report	View
Year Established	1955
Employees	79
Primary Regulator	FDIC
Assets and Liabilities
Assets	$323.74 million
Loans	$121.87 million
Deposits	$271.42 million
Equity Capital	$50.21 million
Loan Loss Allowance	$4.00 million
Unbacked Noncurrent Loans	$7.81 million
Real Estate Owned	$366,000
Historic Data - March 2011
Assets	$314.82 million
Equity Capital	$45.71 million
Loan Loss Allowance	$2.92 million
Unbacked Noncurrent Loans	$3.36 million
Real Estate Owned	$1.06 million
Profit Margin - Quarterly
Net Interest Margin	3.83%
Return on Assets	1.06%
Return on Equity	6.83%
Interest Income	$3.21 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 M C Bank & Trust Company had $8.17 million in non-current loans and owned real-estate with $54.21 million in equity and loan loss allowances on hand to cover it. This gives M C Bank & Trust Company a Texas Ratio of 15.08% 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 M C Bank & Trust Company increased slightly from 9.09% as of March 31, 2011 to 15.08% as of March 31, 2012, resulting in a negative change of 65.80%. This indicates that the balance sheet and financial strength for M C Bank & Trust Company has declined slightly in recent periods.
Deposit Growth
In the past year, M C Bank & Trust Company has increased its total deposits by $4.45 million, resulting in 1.67% 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 M C 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. M C Bank & Trust Company has $323.74 million in assets with $54.21 million in equity, resulting in a capitalization level of 16.74%, which is excellent.