FDIC Certificate #: 22739 Status: Active Federal Reserve ID: 364430 Bank Holding Company (Regulatory Top Holder): Saint Francisville Bancshares, Inc. (RSSDID: 1082544, Location: Saint Francisville, LA) Date Established: October 30, 1978 WWW:http://www.bsf.net Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13122 FDIC's unique #: 15876 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: October 30, 1978 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: 108 East Commerce Street, Saint Francisville, LA 70775 County: West Feliciana 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 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
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $100.7 mil Equity capital: $9.6 mil Deposits held in domestic offices: $86.3 mil Return on assets (ROA): 1.07% ($1.1 mil) Quarterly return on assets: 1.02% ($1.0 mil) Return on Equity (ROE): 11.13% ($1.1 mil) Quarterly return on equity: 10.54% ($1.1 mil) Net income: $1.0 mil Quarterly Net income: $0.3 mil Pretax return on assets: 1.07% ($1,078.0 mil) Quarterly Pretax return on assets: 1.02% ($1,027.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
33Total employees (full-time equivalent)
$100,747Total assets
$4,179Cash and due from depository institutions
$302Interest-bearing balances
$14,454Securities
$6,350Federal funds sold & reverse repurchase agreements
$67,729Net loans & leases
$876Loan loss allowance
$0Trading account assets
$4,408Bank premises and fixed assets
$289Other real estate owned
$0Goodwill and other intangibles
$100,747Life insurance assets
$3,338All other assets
$91,163Total liabilities and capital
$86,333Total liabilities
$62,997Total deposits
$86,333Interest-bearing deposits
$85Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,000Trading liabilities
$0Other borrowed funds
$1,830Subordinated debt
$9,584All other liabilities
$9,584Total equity capital
$9,584Total bank equity capital
$0Perpetual preferred stock
$682Common stock
$3,318Surplus
$5,584Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,747Income earned, not collected on loans
$0Earning assets
$409Long-term assets (5+ years)
$88,835Average Assets, year-to-date
$21,223Average Assets, quarterly
$95,925Volatile liabilities
$97,878Insider loans
$75,338FHLB advances
$97,319Loans and leases held for sale
$2,094Unused loan commitments
$2,094Tier 1 (core) risk-based capital
$9,396Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,058Restructured Loans and leases
$1,216Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,172Total interest income
$616Total interest expense
$4,556Net interest income
$490Provision for loan and lease losses
$1,040Total noninterest income
$0Fiduciary activities
$600Service charges on deposit accounts
$0Trading account gains & fees
$440Additional noninterest income
$4,080Total noninterest expense
$2,148Salaries and employee benefits
$662Premises and equipment expense
$1,270Additional noninterest expense
$1,026Pre-tax net operating income
$0Securities gains (losses)
$0Applicable income taxes
$1,026Income before extraordinary items
$0Extraordinary gains - net
$1,026Net income attributable to bank
$0Net charge-offs
$1,026Cash dividends
$286Sale, conversion, retirement of capital stock, net
$430Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.04%Yield on earning assets
0.72%Cost of funding earning assets
5.32%Net interest margin
1.21%Noninterest income to earning assets
4.76%Noninterest expense to earning assets
1.07%Net operating income to assets
1.07%Return on assets (ROA)
1.07%Pretax return on assets
11.13%Return on equity (ROE)
6.47%Retained earnings to average equity (YTD only)
0.42%Net charge-offs to loans
171.33%Credit loss provision to net charge-offs
5.30%Efficiency ratio
72,909Assets per employee
3.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.91%Loss allowance to loans
1.28%Loss allowance to noncurrent loans
50.14%Noncurrent assets plus other real estate owned to assets
2.02%Noncurrent loans to loans
2.55%Net loans and leases to deposits
78.45%Net loans and leases to core deposits
86.44%Equity capital to assets
9.51%Core capital (leverage) ratio
9.65%Tier 1 risk-based capital ratio
12.47%Total risk-based capital ratio
Memoranda
$14Average assets
$95,925Average earning assets
$9,216Average equity
$85,625Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
15876
Bank Of St. Francisville
108 East Commerce Street, Saint Francisville, LA 70775
October 30, 1978
Full Service Brick and Mortar
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