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


  • Winnsboro State Bank & Trust Company in Winnsboro, Louisiana (LA)
  • Show street view No street view available for this location
Winnsboro State Bank & Trust Company routing number info

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

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Winnsboro State Bank & Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents