State-Investors Bank

State-Investors Bank is headquartered in Metairie and is the 56^th largest bank in the state of Louisiana. It is also the 2,659^th largest bank in the nation. It was established in 1894 and as of March of 2012, it had grown to 34 employees at 4 locations. State-Investors Bank has a 4-star health rating.

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Data for Q1 2012

Institution Statistics State-Investors Bank OTS # 00016 FDIC Certificate # 27626 BankRate Report View Year Established 1894 Employees 34 Primary Regulator OCC Assets and Liabilities Assets $242.54 million Loans $179.44 million Deposits $158.74 million Equity Capital $36.78 million Loan Loss Allowance $1.63 million Unbacked Noncurrent Loans $4.52 million Historic Data - March 2011 Assets $214.25 million Equity Capital $21.50 million Loan Loss Allowance $1.39 million Unbacked Noncurrent Loans $2.05 million Real Estate Owned $167,000 Profit Margin - Quarterly Net Interest Margin 3.49% Return on Assets 0.48% Return on Equity 3.19% Interest Income $2.66 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 State-Investors Bank had $4.52 million in non-current loans and owned real-estate with $38.41 million in equity and loan loss allowances on hand to cover it. This gives State-Investors Bank a Texas Ratio of 11.76% 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 State-Investors Bank held steady from 9.68% as of March 31, 2011 to 11.76% as of March 31, 2012, resulting in a negative change of 21.50%. This indicates that the balance sheet and financial strength for State-Investors Bank has held steady in recent periods. Deposit Growth In the past year, State-Investors Bank has decreased its total deposits by -$7.19 million, resulting in -4.33% 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 State-Investors Bank has shown is below 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. State-Investors Bank has $242.54 million in assets with $38.41 million in equity, resulting in a capitalization level of 15.84%, which is excellent.

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