Richland State Bank (LA)

Richland State Bank (LA) is headquartered in Rayville and is the 58^th largest bank in the state of Louisiana. It is also the 2,725^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 67 employees at 8 locations. Richland State Bank (LA) has a 4-star health rating.

Data for Q1 2012

Institution Statistics Richland State Bank FDIC Certificate # 8526 BankRate Report View Year Established 1902 Employees 67 Primary Regulator FDIC Assets and Liabilities Assets $235.19 million Loans $110.10 million Deposits $209.16 million Equity Capital $24.56 million Loan Loss Allowance $1.72 million Unbacked Noncurrent Loans $630,000 Real Estate Owned $1.56 million Historic Data - March 2011 Assets $219.79 million Equity Capital $22.38 million Loan Loss Allowance $1.67 million Unbacked Noncurrent Loans $253,000 Real Estate Owned $1.66 million Profit Margin - Quarterly Net Interest Margin 4.39% Return on Assets 1.46% Return on Equity 13.71% Interest Income $2.54 million

Institution Health Overall Score: 4 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 Richland State Bank (LA) had $2.19 million in non-current loans and owned real-estate with $26.28 million in equity and loan loss allowances on hand to cover it. This gives Richland State Bank (LA) a Texas Ratio of 8.33% 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 Richland State Bank (LA) held steady from 8.27% as of March 31, 2011 to 8.33% as of March 31, 2012, resulting in a negative change of 0.71%. This indicates that the balance sheet and financial strength for Richland State Bank (LA) has held steady in recent periods. Deposit Growth In the past year, Richland State Bank (LA) has increased its total deposits by $13 million, resulting in 6.63% 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 Richland State Bank (LA) 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. Richland State Bank (LA) has $235.19 million in assets with $26.28 million in equity, resulting in a capitalization level of 11.17%, which is above average.

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