Metairie Bank & Trust Company

3344 Metairie Road
Metairie, LA 70004
504-832-5699
www.metairiebank.com

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Metairie Bank & Trust Company is headquartered in Metairie and is the 37^th largest bank in the state of Louisiana. It is also the 1,939^th largest bank in the nation. It was established in 1947 and as of March of 2012, it had grown to 104 employees at 7 locations. Metairie Bank & Trust Company has a 5-star health rating.

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

Metairie Bank & Trust Company Checking Account Rates

Apy	Min	Max	Product
0.05%	-	-	Personal Interest Checking
0.05%	-	-	Advantage Checking
0.03%	$250k	-	Business Interest Checking

Metairie Bank & Trust Company Savings Account Rates

Apy	Min	Max	Product
0.35%	$2,500	-	Metairie Gold Plus Savings
0.15%	$2,500	-	Metairie Gold Savings
0.10%	$100	-	Passbook Savings
0.10%	$100	-	Statement Savings

Metairie Bank & Trust Company Money Market Rates

Apy	Min	Max	Product
0.09%	$250k	-	Gold Money Market
0.07%	$250k	-	Business Money Market

Metairie Bank & Trust Company CD Rates

Apy	Min	Max	Product
0.70%	$1k	-	60 Month CD
0.60%	$1k	-	48 Month CD
0.40%	$1k	-	36 Month CD
0.30%	$1k	-	30 Month CD
0.25%	$1k	-	24 Month CD
0.20%	$1k	-	18 Month CD
0.15%	$1k	-	12 Month CD
0.10%	$1k	-	6 Month CD
0.05%	$1k	-	3 Month CD

Metairie Bank & Trust Company IRA Rates

Apy	Min	Max	Product
0.70%	$1k	-	60 Month Fixed Rate IRA
0.70%	$1k	-	60 Month Fixed Rate Roth IRA
0.70%	$1k	-	60 Month Fixed Rate SEP IRA
0.60%	$1k	-	48 Month Fixed Rate IRA
0.60%	$1k	-	48 Month Fixed Rate Roth IRA
0.60%	$1k	-	48 Month Fixed Rate SEP IRA
0.50%	$100	-	18 Month Variable Rate IRA
0.50%	$100	-	18 Month Variable Rate Roth IRA
0.50%	$100	-	18 Month Variable Rate SEP IRA
0.40%	$1k	-	36 Month Fixed Rate IRA
0.40%	$1k	-	36 Month Fixed Rate Roth IRA
0.40%	$1k	-	36 Month Fixed Rate SEP IRA
0.30%	$1k	-	30 Month Fixed Rate IRA
0.30%	$1k	-	30 Month Fixed Rate Roth IRA
0.30%	$1k	-	30 Month Fixed Rate SEP IRA
0.15%	$1k	-	12 Month Fixed Rate IRA
0.15%	$1k	-	12 Month Fixed Rate Roth IRA
0.15%	$1k	-	12 Month Fixed Rate SEP IRA
0.10%	$1k	-	6 Month Fixed Rate IRA
0.10%	$1k	-	6 Month Fixed Rate Roth IRA
0.10%	$1k	-	6 Month Fixed Rate SEP IRA

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

Metairie Bank & Trust Company
FDIC Certificate #	16539
BankRate Report	View
Year Established	1947
Employees	104
Primary Regulator	FDIC
Assets and Liabilities
Assets	$338.44 million
Loans	$202.32 million
Deposits	$297.74 million
Equity Capital	$37.33 million
Loan Loss Allowance	$2.05 million
Unbacked Noncurrent Loans	$601,000
Historic Data - March 2011
Assets	$336.20 million
Equity Capital	$37.50 million
Loan Loss Allowance	$2.12 million
Unbacked Noncurrent Loans	$718,000
Profit Margin - Quarterly
Net Interest Margin	3.52%
Return on Assets	0.54%
Return on Equity	4.94%
Interest Income	$3.00 million

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 Metairie Bank & Trust Company had $601,000 in non-current loans and owned real-estate with $39.38 million in equity and loan loss allowances on hand to cover it. This gives Metairie Bank & Trust Company a Texas Ratio of 1.53% 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 Metairie Bank & Trust Company decreased slightly from 1.81% as of March 31, 2011 to 1.53% as of March 31, 2012, resulting in a positive change of 15.80%.This indicates that the balance sheet and financial strength for Metairie Bank & Trust Company has improved slightly in recent periods.
Deposit Growth
In the past year, Metairie Bank & Trust Company has increased its total deposits by $2.3 million, resulting in 0.78% 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 Metairie Bank & Trust Company has shown is 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. Metairie Bank & Trust Company has $338.44 million in assets with $39.38 million in equity, resulting in a capitalization level of 11.64%, which is above average.

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