The Highlands Bank

Erin And Church Streets
Jackson, LA 70748
225.634.7741
www.thbank.net

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The Highlands Bank is headquartered in Jackson and is the 84^th largest bank in the state of Louisiana. It is also the 3,976^th largest bank in the nation. It was established in 1904 and as of March of 2012, it had grown to 38 employees at 5 locations. The Highlands Bank has a 4-star health rating.

The Highlands Bank Routing Number: 065201886

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See Rates for: Checking | Savings | Money Market | CD | IRA

The Highlands Bank Checking Account Rates

Apy	Min	Max	Product
0.10%	-	-	NOW Checking - Customer w/ Relationship
0.02%	-	-	NOW Checking - Public Bodies

The Highlands Bank Savings Account Rates

Apy	Min	Max	Product
0.45%	$100k	-	Personal MOOR Account
0.10%	$50	-	Regular Savings - Customer w/ Relationship
0.10%	$50	-	Regular Savings - Public Bodies
0.10%	-	-	Personal Christmas Club Savings

The Highlands Bank Money Market Rates

Apy	Min	Max	Product
0.10%	-	-	Business Money Market Account
0.10%	-	-	Personal Money Market Account

The Highlands Bank CD Rates

Apy	Min	Max	Product
1.55%	$500	-	60 Month CD - Customer w/ Relationship
1.35%	$500	-	48 Month CD - Customer w/ Relationship
1.35%	$500	-	60 Month CD - Non Customer
1.15%	$500	-	48 Month CD - Non Customer
1.10%	$500	-	36 Month CD - Customer w/ Relationship
1.05%	$500	-	30 Month CD - Customer w/ Relationship
1.00%	$500	-	24 Month CD - Customer w/ Relationship
1.00%	$500	-	60 Month CD - Public Bodies
0.90%	$500	-	18 Month CD - Customer w/ Relationship
0.90%	$500	-	36 Month CD - Non Customer
0.90%	$500	-	30 Month CD - Non Customer
0.85%	$500	-	24 Month CD - Non Customer
0.85%	$500	-	48 Month CD - Public Bodies
0.80%	$500	-	12 Month CD - Customer w/ Relationship
0.75%	$500	-	18 Month CD - Non Customer
0.75%	$500	-	36 Month CD - Public Bodies
0.75%	$500	-	30 Month CD - Public Bodies
0.65%	$500	-	12 Month CD - Non Customer
0.65%	$500	-	24 Month CD - Public Bodies
0.55%	$500	-	6 Month CD - Customer w/ Relationship
0.50%	$500	-	18 Month CD - Public Bodies
0.40%	$500	-	12 Month CD - Public Bodies
0.35%	$500	-	6 Month CD - Non Customer
0.25%	$500	-	90 Day CD - Customer w/ Relationship
0.20%	$500	-	6 Month CD - Public Bodies
0.15%	$500	-	90 Day CD - Non Customer
0.10%	$500	-	7 - 11 Day CD - Customer w/ Relationship
0.10%	$500	-	12 - 31 Day CD - Customer w/ Relationship
0.10%	$500	-	7 - 11 Day CD - Non Customer
0.10%	$500	-	90 Day CD - Public Bodies
0.05%	$500	-	12 - 31 Day CD - Non Customer
0.02%	$500	-	7 - 11 Day CD - Public Bodies
0.02%	$500	-	12 - 31 Day CD - Public Bodies

The Highlands Bank IRA Rates

Apy	Min	Max	Product
1.55%	$500	-	60 Month IRA - Customer w/ Relationship
1.35%	$500	-	48 Month IRA - Customer w/ Relationship
1.35%	$500	-	60 Month IRA - Non Customer
1.15%	$500	-	48 Month IRA - Non Customer
1.10%	$500	-	36 Month IRA - Customer w/ Relationship
1.05%	$500	-	30 Month IRA - Customer w/ Relationship
1.00%	$500	-	24 Month IRA - Customer w/ Relationship
1.00%	$500	-	60 Month IRA - Public Bodies
0.90%	$500	-	18 Month IRA - Customer w/ Relationship
0.90%	$500	-	30 Month IRA - Non Customer
0.90%	$500	-	36 Month IRA - Non Customer
0.85%	$500	-	24 Month IRA - Non Customer
0.85%	$500	-	48 Month IRA - Public Bodies
0.80%	$500	-	12 Month IRA - Customer w/ Relationship
0.75%	$500	-	18 Month IRA - Non Customer
0.75%	$500	-	30 Month IRA - Public Bodies
0.75%	$500	-	36 Month IRA - Public Bodies
0.65%	$500	-	12 Month IRA - Non Customer
0.65%	$500	-	24 Month IRA - Public Bodies
0.55%	$500	-	6 Month IRA - Customer w/ Relationship
0.50%	$500	-	18 Month IRA - Public Bodies
0.40%	$500	-	12 Month IRA - Public Bodies
0.35%	$500	-	6 Month IRA - Non Customer
0.20%	$500	-	6 Month IRA - Public Bodies

Rates updated: 5/27/2012

Data for Q1 2012

Institution Statistics

The Highlands Bank
FDIC Certificate #	310
BankRate Report	View
Year Established	1904
Employees	38
Primary Regulator	FDIC
Assets and Liabilities
Assets	$144.20 million
Loans	$92.10 million
Deposits	$127.63 million
Equity Capital	$15.91 million
Loan Loss Allowance	$1.68 million
Unbacked Noncurrent Loans	$1.43 million
Real Estate Owned	$1.42 million
Historic Data - March 2011
Assets	$139.44 million
Equity Capital	$14.93 million
Loan Loss Allowance	$1.22 million
Unbacked Noncurrent Loans	$1.37 million
Real Estate Owned	$372,000
Profit Margin - Quarterly
Net Interest Margin	3.83%
Return on Assets	1.41%
Return on Equity	12.95%
Interest Income	$1.59 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 The Highlands Bank had $2.85 million in non-current loans and owned real-estate with $17.59 million in equity and loan loss allowances on hand to cover it. This gives The Highlands Bank a Texas Ratio of 16.22% 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 The Highlands Bank increased slightly from 10.78% as of March 31, 2011 to 16.22% as of March 31, 2012, resulting in a negative change of 50.44%. This indicates that the balance sheet and financial strength for The Highlands Bank has declined slightly in recent periods.
Deposit Growth
In the past year, The Highlands Bank has increased its total deposits by $3.84 million, resulting in 3.1% 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 The Highlands Bank 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. The Highlands Bank has $144.2 million in assets with $17.59 million in equity, resulting in a capitalization level of 12.20%, which is excellent.