Beauregard FSB in Deridder, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Beauregard FSB in Deridder, Louisiana (LA)
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Beauregard FSB - Overview

  • General
  • FDIC Certificate #: 30339
    Status: Active
    Federal Reserve ID: 123374
    Date Established: June 23, 1948
    WWW: http://www.beauregardfsb.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 5195
    FDIC's unique #: 43173
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: June 23, 1948
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 122 Jefferson Avenue, Deridder, LA 70634
    County: Beauregard
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Combined Statistical Area (CSA): Fort Polk South-DeRidder, LA (#256)
    Core Based Statistical Area (CBSA): DeRidder, LA (#19760)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $55.5 mil
    Equity capital: $9.2 mil
    Deposits held in domestic offices: $46.0 mil
    Return on assets (ROA): 2.87% ($1.6 mil)
    Quarterly return on assets: 2.48% ($1.4 mil)
    Return on Equity (ROE): 16.35% ($1.5 mil)
    Quarterly return on equity: 14.05% ($1.3 mil)
    Net income: $1.5 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 2.87% ($1,591.9 mil)
    Quarterly Pretax return on assets: 2.48% ($1,375.6 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
  • 10Total employees (full-time equivalent)
  • $55,468Total assets
  • $7,893Cash and due from depository institutions
  • $7,083Interest-bearing balances
  • $11,042Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $35,161Net loans & leases
  • $517Loan loss allowance
  • $0Trading account assets
  • $403Bank premises and fixed assets
  • $169Other real estate owned
  • $0Goodwill and other intangibles
  • $55,468Life insurance assets
  • $800All other assets
  • $46,252Total liabilities and capital
  • $46,004Total liabilities
  • $44,377Total deposits
  • $46,004Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $248Subordinated debt
  • $9,216All other liabilities
  • $9,216Total equity capital
  • $9,216Total bank equity capital
  • $0Perpetual preferred stock
  • $114Common stock
  • $52Surplus
  • $9,050Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $814Income earned, not collected on loans
  • $0Earning assets
  • $275Long-term assets (5+ years)
  • $53,286Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $53,157Volatile liabilities
  • $53,993Insider loans
  • $29,012FHLB advances
  • $55,468Loans and leases held for sale
  • $92Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $9,216Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,772Restructured Loans and leases
  • $549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,269Total interest income
  • $417Total interest expense
  • $2,852Net interest income
  • $75Provision for loan and lease losses
  • $121Total noninterest income
  • $0Fiduciary activities
  • $105Service charges on deposit accounts
  • $0Trading account gains & fees
  • $16Additional noninterest income
  • $1,470Total noninterest expense
  • $855Salaries and employee benefits
  • $234Premises and equipment expense
  • $381Additional noninterest expense
  • $1,428Pre-tax net operating income
  • $98Securities gains (losses)
  • $0Applicable income taxes
  • $1,526Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,526Net income attributable to bank
  • $0Net charge-offs
  • $1,526Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $1,218Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.47%Yield on earning assets
  • 0.83%Cost of funding earning assets
  • 5.64%Net interest margin
  • 0.24%Noninterest income to earning assets
  • 2.91%Noninterest expense to earning assets
  • 2.69%Net operating income to assets
  • 2.87%Return on assets (ROA)
  • 2.87%Pretax return on assets
  • 16.35%Return on equity (ROE)
  • 3.30%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 138.89%Credit loss provision to net charge-offs
  • 27.83%Efficiency ratio
  • 49,445Assets per employee
  • 5.55%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 79.82%Loss allowance to loans
  • 1.45%Loss allowance to noncurrent loans
  • 63.51%Noncurrent assets plus other real estate owned to assets
  • 1.77%Noncurrent loans to loans
  • 2.28%Net loans and leases to deposits
  • 76.43%Net loans and leases to core deposits
  • 87.67%Equity capital to assets
  • 16.61%Core capital (leverage) ratio
  • 16.61%Tier 1 risk-based capital ratio
  • 31.77%Total risk-based capital ratio
  • Memoranda
  • $33Average assets
  • $53,157Average earning assets
  • $9,335Average equity
  • $50,536Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043173Beauregard Fsb122 Jefferson Avenue, Deridder, LA 70634June 23, 1948Full Service Brick and Mortar
    1441478522 N. Pine Street Branch522 N. Pine Street, Deridder, LA 70634September 27, 1999Full Service Brick and Mortar

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