Business First Bank in Baton Rouge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Business First Bank - Overview

  • General
  • FDIC Certificate #: 58228
    Status: Active
    Federal Reserve ID: 3408728
    Bank Holding Company (Regulatory Top Holder): Business First Bancshares, Inc. (RSSDID: 3488850, Location: Baton Rouge, LA)
    Date Established: Febuary 01, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 443550
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 01, 2006
    Last Structure Change Effective Date: August 25, 2011
    Last Structure Change Process Date: August 29, 2011
    Last Data Update: August 29, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 8440 Jefferson Highway, Suite 101, Baton Rouge, LA 70809
    County: East Baton Rouge
    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
    Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760)
    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
  • Financial Summary
  • Total assets: $654.3 mil
    Equity capital: $64.2 mil
    Deposits held in domestic offices: $544.8 mil
    Return on assets (ROA): 0.20% ($1.3 mil)
    Quarterly return on assets: 0.24% ($1.6 mil)
    Return on Equity (ROE): 2.17% ($1.4 mil)
    Quarterly return on equity: 2.46% ($1.6 mil)
    Net income: $1.3 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.18% ($1,177.8 mil)
    Quarterly Pretax return on assets: 0.20% ($1,308.7 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
  • 100Total employees (full-time equivalent)
  • $654,348Total assets
  • $17,274Cash and due from depository institutions
  • $679Interest-bearing balances
  • $159,922Securities
  • $6,359Federal funds sold & reverse repurchase agreements
  • $434,518Net loans & leases
  • $7,338Loan loss allowance
  • $522Trading account assets
  • $2,460Bank premises and fixed assets
  • $1,740Other real estate owned
  • $618Goodwill and other intangibles
  • $654,348Life insurance assets
  • $30,935All other assets
  • $590,042Total liabilities and capital
  • $544,764Total liabilities
  • $499,314Total deposits
  • $544,764Interest-bearing deposits
  • $67Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $522Federal funds purchased & repurchase agreements
  • $40,013Trading liabilities
  • $0Other borrowed funds
  • $4,743Subordinated debt
  • $64,306All other liabilities
  • $64,195Total equity capital
  • $64,195Total bank equity capital
  • $0Perpetual preferred stock
  • $3,216Common stock
  • $54,357Surplus
  • $6,622Undivided profits
  • Memoranda
  • $111Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $10,820Income earned, not collected on loans
  • $0Earning assets
  • $2,533Long-term assets (5+ years)
  • $601,478Average Assets, year-to-date
  • $151,343Average Assets, quarterly
  • $656,580Volatile liabilities
  • $665,572Insider loans
  • $525,240FHLB advances
  • $669,206Loans and leases held for sale
  • $15,810Unused loan commitments
  • $8,205Tier 1 (core) risk-based capital
  • $63,215Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,605Total unused commitments
  • $86,455Restructured Loans and leases
  • $41,529Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,997Total interest income
  • $6,877Total interest expense
  • $22,120Net interest income
  • $4,618Provision for loan and lease losses
  • $2,623Total noninterest income
  • $0Fiduciary activities
  • $369Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,254Additional noninterest income
  • $19,226Total noninterest expense
  • $11,263Salaries and employee benefits
  • $1,941Premises and equipment expense
  • $6,022Additional noninterest expense
  • $899Pre-tax net operating income
  • $263Securities gains (losses)
  • -$143Applicable income taxes
  • $1,305Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,326Net income attributable to bank
  • -$21Net charge-offs
  • $1,305Cash dividends
  • $5,286Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 3.14%Noninterest expense to earning assets
  • 0.16%Net operating income to assets
  • 0.20%Return on assets (ROA)
  • 0.18%Pretax return on assets
  • 2.17%Return on equity (ROE)
  • 2.17%Retained earnings to average equity (YTD only)
  • 1.25%Net charge-offs to loans
  • 87.36%Credit loss provision to net charge-offs
  • 1.04%Efficiency ratio
  • 77,541Assets per employee
  • 6.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.66%Loss allowance to noncurrent loans
  • 67.82%Noncurrent assets plus other real estate owned to assets
  • 1.94%Noncurrent loans to loans
  • 2.45%Net loans and leases to deposits
  • 79.76%Net loans and leases to core deposits
  • 101.78%Equity capital to assets
  • 9.81%Core capital (leverage) ratio
  • 9.45%Tier 1 risk-based capital ratio
  • 12.04%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $656,580Average earning assets
  • $61,201Average equity
  • $612,651Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0443550Business First Bank8440 Jefferson Highway, Suite 101, Baton Rouge, LA 70809Febuary 01, 2006Full Service Brick and Mortar
    1454678Northwest Louisiana Banking Center800 Spring Street, Suite 120, Shreveport, LA 71101August 28, 2006Full Service Brick and Mortar
    2471481North Shore Banking Center1119 North Causeway Boulevard, Suite 2, Mandeville, LA 70471October 18, 2007Full Service Brick and Mortar
    3478478Lafayette Banking Center Branch900 E St. Mary Suite 100, Lafayette, LA 70501May 22, 2008Full Service Brick and Mortar
    4492001Lake Charles Banking Center Branch728 Ryan Street, Lake Charles, LA 70601March 09, 2009Full Service Brick and Mortar

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