Mississippi River Bank

Mississippi River Bank is headquartered in Belle Chasse and is the 80^th largest bank in the state of Louisiana. It is also the 3,818^st largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 31 employees at 3 locations. Mississippi River Bank has a 3-star health rating.

Mississippi River Bank Routing Number: 065402850

Data for Q1 2012

Institution Statistics Mississippi River Bank FDIC Certificate # 23222 BankRate Report View Year Established 1980 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $153.65 million Loans $79.51 million Deposits $134.44 million Equity Capital $18.54 million Loan Loss Allowance $1.21 million Unbacked Noncurrent Loans $1.77 million Real Estate Owned $1.02 million Historic Data - March 2011 Assets $192.98 million Equity Capital $20.92 million Loan Loss Allowance $1.22 million Unbacked Noncurrent Loans $143,000 Real Estate Owned $1.43 million Profit Margin - Quarterly Net Interest Margin 4.67% Return on Assets 2.13% Return on Equity 18.32% Interest Income $1.79 million

Institution Health Overall Score: 3 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 Mississippi River Bank had $2.79 million in non-current loans and owned real-estate with $19.75 million in equity and loan loss allowances on hand to cover it. This gives Mississippi River Bank a Texas Ratio of 14.11% 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 Mississippi River Bank increased slightly from 7.04% as of March 31, 2011 to 14.11% as of March 31, 2012, resulting in a negative change of 100.38%. This indicates that the balance sheet and financial strength for Mississippi River Bank has declined slightly in recent periods. Deposit Growth In the past year, Mississippi River Bank has decreased its total deposits by -$36.76 million, resulting in -21.47% 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 Mississippi River Bank has shown is poor. 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. Mississippi River Bank has $153.65 million in assets with $19.75 million in equity, resulting in a capitalization level of 12.86%, which is excellent.

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