Bank of St. Francisville in Saint Francisville, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of St. Francisville - Overview

  • General
  • FDIC Certificate #: 22739
    Status: Active
    Federal Reserve ID: 364430
    Bank Holding Company (Regulatory Top Holder): Saint Francisville Bancshares, Inc. (RSSDID: 1082544, Location: Saint Francisville, LA)
    Date Established: October 30, 1978
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    OTS Docket #: 13122
    FDIC's unique #: 15876
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 30, 1978
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 108 East Commerce Street, Saint Francisville, LA 70775
    County: West Feliciana
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $100.7 mil
    Equity capital: $9.6 mil
    Deposits held in domestic offices: $86.3 mil
    Return on assets (ROA): 1.07% ($1.1 mil)
    Quarterly return on assets: 1.02% ($1.0 mil)
    Return on Equity (ROE): 11.13% ($1.1 mil)
    Quarterly return on equity: 10.54% ($1.1 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.07% ($1,078.0 mil)
    Quarterly Pretax return on assets: 1.02% ($1,027.6 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 33Total employees (full-time equivalent)
  • $100,747Total assets
  • $4,179Cash and due from depository institutions
  • $302Interest-bearing balances
  • $14,454Securities
  • $6,350Federal funds sold & reverse repurchase agreements
  • $67,729Net loans & leases
  • $876Loan loss allowance
  • $0Trading account assets
  • $4,408Bank premises and fixed assets
  • $289Other real estate owned
  • $0Goodwill and other intangibles
  • $100,747Life insurance assets
  • $3,338All other assets
  • $91,163Total liabilities and capital
  • $86,333Total liabilities
  • $62,997Total deposits
  • $86,333Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,000Trading liabilities
  • $0Other borrowed funds
  • $1,830Subordinated debt
  • $9,584All other liabilities
  • $9,584Total equity capital
  • $9,584Total bank equity capital
  • $0Perpetual preferred stock
  • $682Common stock
  • $3,318Surplus
  • $5,584Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,747Income earned, not collected on loans
  • $0Earning assets
  • $409Long-term assets (5+ years)
  • $88,835Average Assets, year-to-date
  • $21,223Average Assets, quarterly
  • $95,925Volatile liabilities
  • $97,878Insider loans
  • $75,338FHLB advances
  • $97,319Loans and leases held for sale
  • $2,094Unused loan commitments
  • $2,094Tier 1 (core) risk-based capital
  • $9,396Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,058Restructured Loans and leases
  • $1,216Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,172Total interest income
  • $616Total interest expense
  • $4,556Net interest income
  • $490Provision for loan and lease losses
  • $1,040Total noninterest income
  • $0Fiduciary activities
  • $600Service charges on deposit accounts
  • $0Trading account gains & fees
  • $440Additional noninterest income
  • $4,080Total noninterest expense
  • $2,148Salaries and employee benefits
  • $662Premises and equipment expense
  • $1,270Additional noninterest expense
  • $1,026Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,026Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,026Net income attributable to bank
  • $0Net charge-offs
  • $1,026Cash dividends
  • $286Sale, conversion, retirement of capital stock, net
  • $430Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.04%Yield on earning assets
  • 0.72%Cost of funding earning assets
  • 5.32%Net interest margin
  • 1.21%Noninterest income to earning assets
  • 4.76%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 11.13%Return on equity (ROE)
  • 6.47%Retained earnings to average equity (YTD only)
  • 0.42%Net charge-offs to loans
  • 171.33%Credit loss provision to net charge-offs
  • 5.30%Efficiency ratio
  • 72,909Assets per employee
  • 3.05%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.91%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 50.14%Noncurrent assets plus other real estate owned to assets
  • 2.02%Noncurrent loans to loans
  • 2.55%Net loans and leases to deposits
  • 78.45%Net loans and leases to core deposits
  • 86.44%Equity capital to assets
  • 9.51%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 12.47%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $95,925Average earning assets
  • $9,216Average equity
  • $85,625Average loans

List of branches

  • 1 Louisiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015876Bank Of St. Francisville108 East Commerce Street, Saint Francisville, LA 70775October 30, 1978Full Service Brick and Mortar

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