Rayne State Bank & Trust Company

Rayne State Bank & Trust Company is headquartered in Rayne and is the 44^th largest bank in the state of Louisiana. It is also the 2,176^th largest bank in the nation. It was established in 1943 and as of March of 2012, it had grown to 74 employees at 7 locations. Rayne State Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Rayne State Bank & Trust Company FDIC Certificate # 16075 BankRate Report View Year Established 1943 Employees 74 Primary Regulator FDIC Assets and Liabilities Assets $300.79 million Loans $181.85 million Deposits $269.40 million Equity Capital $26.65 million Loan Loss Allowance $2.27 million Unbacked Noncurrent Loans $135,000 Real Estate Owned $150,000 Historic Data - March 2011 Assets $264.58 million Equity Capital $24.15 million Loan Loss Allowance $1.86 million Unbacked Noncurrent Loans $96,000 Profit Margin - Quarterly Net Interest Margin 4.1% Return on Assets 1.49% Return on Equity 16.79% Interest Income $3.22 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 Rayne State Bank & Trust Company had $285,000 in non-current loans and owned real-estate with $28.92 million in equity and loan loss allowances on hand to cover it. This gives Rayne State Bank & Trust Company a Texas Ratio of 0.99% 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 Rayne State Bank & Trust Company held steady from 0.37% as of March 31, 2011 to 0.99% as of March 31, 2012, resulting in a negative change of 167.08%. This indicates that the balance sheet and financial strength for Rayne State Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Rayne State Bank & Trust Company has increased its total deposits by $34.52 million, resulting in 14.7% 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 Rayne State Bank & Trust Company has shown is excellent. 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. Rayne State Bank & Trust Company has $300.79 million in assets with $28.92 million in equity, resulting in a capitalization level of 9.61%, which is average.

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