Farmers State Bank & Trust Co. in Church Point, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Farmers State Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 16114
    Status: Active
    Federal Reserve ID: 567736
    Bank Holding Company (Regulatory Top Holder): Fsb Bancshares, Inc. (RSSDID: 3371701, Location: Church Point, LA)
    Date Established: January 03, 1944
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 10330
    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: January 03, 1944
    Last Structure Change Effective Date: July 01, 2010
    Last Structure Change Process Date: December 15, 2010
    Last Data Update: December 15, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 110 West Plaquemine, Church Point, LA 70525
    County: Acadia
    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): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Crowley, LA (#18940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $87.9 mil
    Equity capital: $8.7 mil
    Deposits held in domestic offices: $78.9 mil
    Return on assets (ROA): 1.55% ($1.4 mil)
    Quarterly return on assets: 1.66% ($1.5 mil)
    Return on Equity (ROE): 17.27% ($1.6 mil)
    Quarterly return on equity: 17.09% ($1.5 mil)
    Net income: $1.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.55% ($1,362.2 mil)
    Quarterly Pretax return on assets: 1.66% ($1,458.9 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
  • 46Total employees (full-time equivalent)
  • $87,883Total assets
  • $8,631Cash and due from depository institutions
  • $3,926Interest-bearing balances
  • $22,919Securities
  • $5,125Federal funds sold & reverse repurchase agreements
  • $46,860Net loans & leases
  • $831Loan loss allowance
  • $0Trading account assets
  • $3,319Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $87,883Life insurance assets
  • $1,029All other assets
  • $79,156Total liabilities and capital
  • $78,865Total liabilities
  • $55,262Total deposits
  • $78,865Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $291Subordinated debt
  • $8,727All other liabilities
  • $8,727Total equity capital
  • $8,727Total bank equity capital
  • $0Perpetual preferred stock
  • $800Common stock
  • $4,000Surplus
  • $3,927Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $812Income earned, not collected on loans
  • $0Earning assets
  • $485Long-term assets (5+ years)
  • $78,830Average Assets, year-to-date
  • $23,219Average Assets, quarterly
  • $90,802Volatile liabilities
  • $89,135Insider loans
  • $54,340FHLB advances
  • $88,795Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,119Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,954Restructured Loans and leases
  • $595Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,421Total interest income
  • $434Total interest expense
  • $3,987Net interest income
  • $120Provision for loan and lease losses
  • $1,036Total noninterest income
  • $0Fiduciary activities
  • $720Service charges on deposit accounts
  • $0Trading account gains & fees
  • $316Additional noninterest income
  • $3,525Total noninterest expense
  • $2,102Salaries and employee benefits
  • $499Premises and equipment expense
  • $924Additional noninterest expense
  • $1,378Pre-tax net operating income
  • $28Securities gains (losses)
  • $0Applicable income taxes
  • $1,406Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,406Net income attributable to bank
  • $0Net charge-offs
  • $1,406Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $958Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.40%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 4.87%Net interest margin
  • 1.27%Noninterest income to earning assets
  • 4.31%Noninterest expense to earning assets
  • 1.52%Net operating income to assets
  • 1.55%Return on assets (ROA)
  • 1.55%Pretax return on assets
  • 17.27%Return on equity (ROE)
  • 5.50%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 222.22%Credit loss provision to net charge-offs
  • 27.74%Efficiency ratio
  • 70,177Assets per employee
  • 1.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 68.14%Loss allowance to loans
  • 1.74%Loss allowance to noncurrent loans
  • 102.34%Noncurrent assets plus other real estate owned to assets
  • 0.92%Noncurrent loans to loans
  • 1.70%Net loans and leases to deposits
  • 59.42%Net loans and leases to core deposits
  • 60.97%Equity capital to assets
  • 9.93%Core capital (leverage) ratio
  • 9.14%Tier 1 risk-based capital ratio
  • 14.94%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $90,802Average earning assets
  • $8,142Average equity
  • $81,806Average loans

List of branches

  • 6 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010330Farmers State Bank & Trust Co.110 West Plaquemine, Church Point, LA 70525January 03, 1944Full Service Brick and Mortar
    1237318South Main Street Branch250 South Main Street, Church Point, LA 70525September 04, 1984Full Service Brick and Mortar
    2237319Cankton Branch216 Main Street, Cankton, LA 70584Febuary 07, 1994Full Service Brick and Mortar
    3426513Judice Branch1950 Ridge Road, Duson, LA 70529March 08, 2004Full Service Brick and Mortar
    4481399Youngsville Branch412 Iberia Street, Youngsville, LA 70592October 06, 2008Full Service Brick and Mortar
    5257582Rayne Branch211 North Adams Avenue, Rayne, LA 70578November 04, 1996Full Service Brick and Mortar

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