Marion State Bank

Marion State Bank is headquartered in Marion and is the 91^st largest bank in the state of Louisiana. It is also the 4,161^st largest bank in the nation. It was established in 1907 and as of March of 2012, it had grown to 45 employees at 3 locations. Marion State Bank has a 4-star health rating.

Marion State Bank Routing Number: 111102075

Data for Q1 2012

Institution Statistics Marion State Bank FDIC Certificate # 9320 BankRate Report View Year Established 1907 Employees 45 Primary Regulator FDIC Assets and Liabilities Assets $134.30 million Loans $83.60 million Deposits $113.61 million Equity Capital $12.61 million Loan Loss Allowance $1.02 million Unbacked Noncurrent Loans $1.30 million Real Estate Owned $660,000 Historic Data - March 2011 Assets $134.84 million Equity Capital $11.88 million Loan Loss Allowance $962,000 Unbacked Noncurrent Loans $771,000 Real Estate Owned $1.76 million Profit Margin - Quarterly Net Interest Margin 4.27% Return on Assets 0.57% Return on Equity 6.02% Interest Income $1.63 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 Marion State Bank had $1.96 million in non-current loans and owned real-estate with $13.63 million in equity and loan loss allowances on hand to cover it. This gives Marion State Bank a Texas Ratio of 14.38% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Marion State Bank decreased slightly from 19.68% as of March 31, 2011 to 14.38% as of March 31, 2012, resulting in a positive change of 26.95%.This indicates that the balance sheet and financial strength for Marion State Bank has improved slightly in recent periods. Deposit Growth In the past year, Marion State Bank has decreased its total deposits by -$2 million, resulting in -1.73% 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 Marion State Bank has shown is below 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. Marion State Bank has $134.3 million in assets with $13.63 million in equity, resulting in a capitalization level of 10.15%, which is above average.

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