St. Martin Bank & Trust Company

St. Martin Bank & Trust Company is headquartered in St. Martinville and is the 30^th largest bank in the state of Louisiana. It is also the 1,660^th largest bank in the nation. It was established in 1933 and as of December of 2012, it had grown to 112 employees at 11 locations. St. Martin Bank & Trust Company's savings rates are 3X the national average, and it has a 4-star health rating.

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Data for Q4 2012

Institution Statistics St. Martin Bank and Trust Company FDIC Certificate # 12610 BankRate Report View Year Established 1933 Employees 112 Primary Regulator FDIC Assets and Liabilities Assets $401.60 million Loans $284.56 million Deposits $331.48 million Equity Capital $42.37 million Loan Loss Allowance $3.65 million Unbacked Noncurrent Loans $4.31 million Historic Data - December 2011 Assets $351.54 million Equity Capital $41.02 million Loan Loss Allowance $3.87 million Unbacked Noncurrent Loans $4.77 million Profit Margin - Quarterly Net Interest Margin 5.43% Return on Assets 2.78% Return on Equity 24.31% Interest Income $20.19 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 December 31, 2012 St. Martin Bank & Trust Company had $4.31 million in non-current loans and owned real-estate with $46.02 million in equity and loan loss allowances on hand to cover it. This gives St. Martin Bank & Trust Company a Texas Ratio of 9.36% 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 St. Martin Bank & Trust Company held steady from 10.67% as of December 31, 2011 to 9.36% as of December 31, 2012, resulting in a positive change of 12.27%.This indicates that the balance sheet and financial strength for St. Martin Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, St. Martin Bank & Trust Company has increased its total deposits by $46.18 million, resulting in 16.19% 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 St. Martin 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. St. Martin Bank & Trust Company has $401.6 million in assets with $46.02 million in equity, resulting in a capitalization level of 11.46%, which is above average.

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