South Louisiana Bank, Houma, Louisiana

South Louisiana Bank, Houma, Louisiana is headquartered in Houma and is the 29^th largest bank in the state of Louisiana. It is also the 1,635^th largest bank in the nation. It was established in 1980 and as of March of 2012, it had grown to 127 employees at 6 locations. South Louisiana Bank, Houma, Louisiana has a 5-star health rating.

Data for Q1 2012

Institution Statistics South Louisiana Bank, Houma, Louisiana FDIC Certificate # 23144 BankRate Report View Year Established 1980 Employees 127 Primary Regulator FDIC Assets and Liabilities Assets $407.02 million Loans $251.25 million Deposits $356.28 million Equity Capital $46.80 million Loan Loss Allowance $9.36 million Unbacked Noncurrent Loans $2.32 million Real Estate Owned $1.24 million Historic Data - March 2011 Assets $399.42 million Equity Capital $43.94 million Loan Loss Allowance $8.24 million Unbacked Noncurrent Loans $3.90 million Real Estate Owned $1.07 million Profit Margin - Quarterly Net Interest Margin 4.3% Return on Assets 1.06% Return on Equity 9.18% Interest Income $4.31 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 South Louisiana Bank, Houma, Louisiana had $3.56 million in non-current loans and owned real-estate with $56.17 million in equity and loan loss allowances on hand to cover it. This gives South Louisiana Bank, Houma, Louisiana a Texas Ratio of 6.35% 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 South Louisiana Bank, Houma, Louisiana decreased slightly from 9.49% as of March 31, 2011 to 6.35% as of March 31, 2012, resulting in a positive change of 33.15%.This indicates that the balance sheet and financial strength for South Louisiana Bank, Houma, Louisiana has improved slightly in recent periods. Deposit Growth In the past year, South Louisiana Bank, Houma, Louisiana has increased its total deposits by $5.01 million, resulting in 1.43% 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 Louisiana Bank, Houma, Louisiana has shown is above 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 Louisiana Bank, Houma, Louisiana has $407.02 million in assets with $56.17 million in equity, resulting in a capitalization level of 13.80%, which is excellent.

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