Winnsboro State Bank & Trust Company in Winnsboro, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Winnsboro State Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 10533
    Status: Active
    Federal Reserve ID: 628552
    Bank Holding Company (Regulatory Top Holder): Winnsboro Bancshares, Inc. (RSSDID: 1107081, Location: Winnsboro, LA)
    Date Established: September 02, 1902
    WWW: http://www.winnsborobank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    FDIC's unique #: 6746
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 3875 Front Street, Winnsboro, LA 71295
    County: Franklin
    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
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $128.4 mil
    Equity capital: $13.2 mil
    Deposits held in domestic offices: $108.2 mil
    Return on assets (ROA): 1.71% ($2.2 mil)
    Quarterly return on assets: 1.09% ($1.4 mil)
    Return on Equity (ROE): 16.23% ($2.1 mil)
    Quarterly return on equity: 9.93% ($1.3 mil)
    Net income: $2.1 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.71% ($2,196.0 mil)
    Quarterly Pretax return on assets: 1.09% ($1,399.8 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
  • 42Total employees (full-time equivalent)
  • $128,422Total assets
  • $26,659Cash and due from depository institutions
  • $23,489Interest-bearing balances
  • $43,482Securities
  • $1,350Federal funds sold & reverse repurchase agreements
  • $51,865Net loans & leases
  • $642Loan loss allowance
  • $0Trading account assets
  • $2,248Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $128,422Life insurance assets
  • $2,818All other assets
  • $115,248Total liabilities and capital
  • $108,190Total liabilities
  • $83,021Total deposits
  • $108,190Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 5914.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,144Subordinated debt
  • $13,174All other liabilities
  • $13,174Total equity capital
  • $13,174Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $3,000Surplus
  • $9,674Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $530Income earned, not collected on loans
  • $0Earning assets
  • $1,316Long-term assets (5+ years)
  • $120,186Average Assets, year-to-date
  • $37,502Average Assets, quarterly
  • $122,111Volatile liabilities
  • $126,210Insider loans
  • $64,893FHLB advances
  • $129,192Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $12,295Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,858Restructured Loans and leases
  • $813Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,444Total interest income
  • $1,041Total interest expense
  • $5,403Net interest income
  • $135Provision for loan and lease losses
  • $755Total noninterest income
  • $0Fiduciary activities
  • $495Service charges on deposit accounts
  • $0Trading account gains & fees
  • $260Additional noninterest income
  • $3,942Total noninterest expense
  • $2,342Salaries and employee benefits
  • $406Premises and equipment expense
  • $1,194Additional noninterest expense
  • $2,081Pre-tax net operating income
  • $2Securities gains (losses)
  • $0Applicable income taxes
  • $2,083Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,083Net income attributable to bank
  • $0Net charge-offs
  • $2,083Cash dividends
  • $83Sale, conversion, retirement of capital stock, net
  • $1,353Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.63%Yield on earning assets
  • 0.91%Cost of funding earning assets
  • 4.72%Net interest margin
  • 0.66%Noninterest income to earning assets
  • 3.44%Noninterest expense to earning assets
  • 1.70%Net operating income to assets
  • 1.71%Return on assets (ROA)
  • 1.71%Pretax return on assets
  • 16.23%Return on equity (ROE)
  • 5.69%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 162.65%Credit loss provision to net charge-offs
  • 26.70%Efficiency ratio
  • 64,014Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.95%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 121.13%Noncurrent assets plus other real estate owned to assets
  • 0.41%Noncurrent loans to loans
  • 1.01%Net loans and leases to deposits
  • 47.94%Net loans and leases to core deposits
  • 52.05%Equity capital to assets
  • 10.26%Core capital (leverage) ratio
  • 9.52%Tier 1 risk-based capital ratio
  • 18.95%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $122,111Average earning assets
  • $12,838Average equity
  • $114,478Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06746Winnsboro State Bank & Trust Company3875 Front Street, Winnsboro, LA 71295September 02, 1902Full Service Brick and Mortar
    1222570Gilbert Branch7518 Gilbert Street, Gilbert, LA 71336September 02, 1902Full Service Brick and Mortar
    3222572Wal-Mart Supercenter Branch3326 Front Street, Winnsboro, LA 71295July 15, 1997Limited Service Facility

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