South Lafourche Bank & Trust Company

South Lafourche Bank & Trust Company is headquartered in Larose and is the 78^th largest bank in the state of Louisiana. It is also the 3,636^th largest bank in the nation. It was established in 1967 and as of March of 2012, it had grown to 58 employees at 5 locations. South Lafourche Bank & Trust Company has a 3-star health rating.

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Data for Q1 2012

Institution Statistics South Lafourche Bank & Trust Company FDIC Certificate # 19755 BankRate Report View Year Established 1967 Employees 58 Primary Regulator FDIC Assets and Liabilities Assets $163.52 million Loans $140.28 million Deposits $142.30 million Equity Capital $13.73 million Loan Loss Allowance $3.17 million Unbacked Noncurrent Loans $4.95 million Real Estate Owned $95,000 Historic Data - March 2011 Assets $160.26 million Equity Capital $12.84 million Loan Loss Allowance $3.05 million Unbacked Noncurrent Loans $2.04 million Real Estate Owned $95,000 Profit Margin - Quarterly Net Interest Margin 4.33% Return on Assets 1.62% Return on Equity 19.1% Interest Income $2.15 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 South Lafourche Bank & Trust Company had $5.04 million in non-current loans and owned real-estate with $16.9 million in equity and loan loss allowances on hand to cover it. This gives South Lafourche Bank & Trust Company a Texas Ratio of 29.82% 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 South Lafourche Bank & Trust Company increased slightly from 13.44% as of March 31, 2011 to 29.82% as of March 31, 2012, resulting in a negative change of 121.92%. This indicates that the balance sheet and financial strength for South Lafourche Bank & Trust Company has declined slightly in recent periods. Deposit Growth In the past year, South Lafourche Bank & Trust Company has increased its total deposits by $1.03 million, resulting in 0.73% 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 South Lafourche Bank & Trust Company has shown is 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. South Lafourche Bank & Trust Company has $163.52 million in assets with $16.9 million in equity, resulting in a capitalization level of 10.33%, which is above average.

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