Washington State Bank (LA)

Washington State Bank (LA) is headquartered in Washington and is the 92^nd largest bank in the state of Louisiana. It is also the 4,213^st largest bank in the nation. It was established in 1893 and as of March of 2012, it had grown to 43 employees at 5 locations. Washington State Bank (LA) has a 3-star health rating.

Data for Q1 2012

Institution Statistics Washington State Bank FDIC Certificate # 9326 BankRate Report View Year Established 1893 Employees 43 Primary Regulator FDIC Assets and Liabilities Assets $131.75 million Loans $72.22 million Deposits $115.37 million Equity Capital $14.77 million Loan Loss Allowance $2.26 million Unbacked Noncurrent Loans $3.99 million Real Estate Owned $2.31 million Historic Data - March 2011 Assets $135.58 million Equity Capital $13.50 million Loan Loss Allowance $2.28 million Unbacked Noncurrent Loans $4.49 million Real Estate Owned $2.34 million Profit Margin - Quarterly Net Interest Margin 4.31% Return on Assets 1.51% Return on Equity 13.36% Interest Income $1.47 million

Institution Health Overall Score: 3 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 Washington State Bank (LA) had $6.3 million in non-current loans and owned real-estate with $17.03 million in equity and loan loss allowances on hand to cover it. This gives Washington State Bank (LA) a Texas Ratio of 36.97% which is below average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Washington State Bank (LA) held steady from 43.24% as of March 31, 2011 to 36.97% as of March 31, 2012, resulting in a positive change of 14.50%.This indicates that the balance sheet and financial strength for Washington State Bank (LA) has held steady in recent periods. Deposit Growth In the past year, Washington State Bank (LA) has decreased its total deposits by -$4.87 million, resulting in -4.05% 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 Washington State Bank (LA) 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. Washington State Bank (LA) has $131.75 million in assets with $17.03 million in equity, resulting in a capitalization level of 12.92%, which is excellent.

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