Vermilion Bank & Trust Company

Vermilion Bank & Trust Company is headquartered in Kaplan and is the 108^th largest bank in the state of Louisiana. It is also the 4,837^th largest bank in the nation. It was established in 1958 and as of March of 2012, it had grown to 31 employees at 3 locations. Vermilion Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Vermilion Bank & Trust Company FDIC Certificate # 17841 BankRate Report View Year Established 1958 Employees 31 Primary Regulator FDIC Assets and Liabilities Assets $104.45 million Loans $58.15 million Deposits $93.31 million Equity Capital $9.41 million Loan Loss Allowance $707,000 Unbacked Noncurrent Loans $293,000 Historic Data - March 2011 Assets $98.86 million Equity Capital $8.89 million Loan Loss Allowance $749,000 Unbacked Noncurrent Loans $275,000 Profit Margin - Quarterly Net Interest Margin 3.61% Return on Assets 1.2% Return on Equity 14.56% Interest Income $1.05 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 Vermilion Bank & Trust Company had $293,000 in non-current loans and owned real-estate with $10.12 million in equity and loan loss allowances on hand to cover it. This gives Vermilion Bank & Trust Company a Texas Ratio of 2.90% 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 Vermilion Bank & Trust Company held steady from 2.85% as of March 31, 2011 to 2.90% as of March 31, 2012, resulting in a negative change of 1.53%. This indicates that the balance sheet and financial strength for Vermilion Bank & Trust Company has held steady in recent periods. Deposit Growth In the past year, Vermilion Bank & Trust Company has increased its total deposits by $5.24 million, resulting in 5.96% 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 Vermilion 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. Vermilion Bank & Trust Company has $104.45 million in assets with $10.12 million in equity, resulting in a capitalization level of 9.68%, which is average.

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