Red River Bank

Red River Bank is headquartered in Alexandria and is the 7^th largest bank in the state of Louisiana. It is also the 615^st largest bank in the nation. It was established in 1999 and as of March of 2012, it had grown to 229 employees at 16 locations. Red River Bank has a 5-star health rating.

Red River Bank Routing Number: 065205264

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Data for Q1 2012

Institution Statistics Red River Bank FDIC Certificate # 34980 BankRate Report View Year Established 1999 Employees 229 Primary Regulator FDIC Assets and Liabilities Assets $1.07 billion Loans $614.83 million Deposits $949.45 million Equity Capital $93.49 million Loan Loss Allowance $8.74 million Unbacked Noncurrent Loans $2.48 million Real Estate Owned $65,000 Historic Data - March 2011 Assets $952.80 million Equity Capital $77.53 million Loan Loss Allowance $8.28 million Unbacked Noncurrent Loans $1.04 million Real Estate Owned $164,000 Profit Margin - Quarterly Net Interest Margin 3.33% Return on Assets 1.12% Return on Equity 12.65% Interest Income $10.18 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 Red River Bank had $2.54 million in non-current loans and owned real-estate with $102.22 million in equity and loan loss allowances on hand to cover it. This gives Red River Bank a Texas Ratio of 2.49% 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 Red River Bank held steady from 1.40% as of March 31, 2011 to 2.49% as of March 31, 2012, resulting in a negative change of 77.09%. This indicates that the balance sheet and financial strength for Red River Bank has held steady in recent periods. Deposit Growth In the past year, Red River Bank has increased its total deposits by $103.61 million, resulting in 12.25% 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 Red River Bank 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. Red River Bank has $1.07 billion in assets with $102.22 million in equity, resulting in a capitalization level of 9.54%, which is average.

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