Plaquemine Bank & Trust Company

Plaquemine Bank & Trust Company is headquartered in Plaquemine and is the 96^th largest bank in the state of Louisiana. It is also the 4,332^nd largest bank in the nation. It was established in 1968 and as of March of 2012, it had grown to 34 employees at 1 location. Plaquemine Bank & Trust Company has a 3-star health rating.

Data for Q1 2012

Institution Statistics Plaquemine Bank & Trust Company FDIC Certificate # 19800 BankRate Report View Year Established 1968 Employees 34 Primary Regulator FDIC Assets and Liabilities Assets $126.40 million Loans $68.03 million Deposits $111.10 million Equity Capital $14.47 million Loan Loss Allowance $490,000 Unbacked Noncurrent Loans $1.66 million Real Estate Owned $753,000 Historic Data - March 2011 Assets $127.77 million Equity Capital $13.99 million Loan Loss Allowance $635,000 Unbacked Noncurrent Loans $1.38 million Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.52% Return on Equity 4.53% Interest Income $1.28 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 Plaquemine Bank & Trust Company had $2.41 million in non-current loans and owned real-estate with $14.96 million in equity and loan loss allowances on hand to cover it. This gives Plaquemine Bank & Trust Company a Texas Ratio of 16.10% 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 Plaquemine Bank & Trust Company held steady from 13.35% as of March 31, 2011 to 16.10% as of March 31, 2012, resulting in a negative change of 20.60%. This indicates that the balance sheet and financial strength for Plaquemine Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Plaquemine Bank & Trust Company has decreased its total deposits by -$1.69 million, resulting in -1.5% 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 Plaquemine Bank & Trust Company 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. Plaquemine Bank & Trust Company has $126.4 million in assets with $14.96 million in equity, resulting in a capitalization level of 11.83%, which is above average.

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