Teche Bank & Trust Co.

Teche Bank & Trust Co. is headquartered in Saint Martinvill and is the 114^st largest bank in the state of Louisiana. It is also the 5,123^rd largest bank in the nation. It was established in 1969 and as of March of 2012, it had grown to 30 employees at 5 locations. Teche Bank & Trust Co. has a 5-star health rating.

Data for Q1 2012

Institution Statistics Teche Bank & Trust Co. FDIC Certificate # 20041 BankRate Report View Year Established 1969 Employees 30 Primary Regulator FDIC Assets and Liabilities Assets $93.52 million Loans $38.18 million Deposits $77.76 million Equity Capital $9.19 million Loan Loss Allowance $314,000 Unbacked Noncurrent Loans $60,000 Real Estate Owned $28,000 Historic Data - March 2011 Assets $85.32 million Equity Capital $8.40 million Loan Loss Allowance $336,000 Unbacked Noncurrent Loans $106,000 Real Estate Owned $453,000 Profit Margin - Quarterly Net Interest Margin 3.42% Return on Assets 1.22% Return on Equity 12.26% Interest Income $866,000

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 Teche Bank & Trust Co. had $88,000 in non-current loans and owned real-estate with $9.5 million in equity and loan loss allowances on hand to cover it. This gives Teche Bank & Trust Co. a Texas Ratio of 0.93% 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 Teche Bank & Trust Co. decreased significantly from 6.40% as of March 31, 2011 to 0.93% as of March 31, 2012, resulting in a positive change of 85.52%.This indicates that the balance sheet and financial strength for Teche Bank & Trust Co. has improved significantly in recent periods. Deposit Growth In the past year, Teche Bank & Trust Co. has increased its total deposits by $7.94 million, resulting in 11.37% 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 Teche Bank & Trust Co. 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. Teche Bank & Trust Co. has $93.52 million in assets with $9.5 million in equity, resulting in a capitalization level of 10.16%, which is above average.

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