Beauregard FSB in city_name, state_name - Detailed Financial Reports, Location

Beauregard FSB in Deridder, Louisiana (LA)
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Beauregard FSB - Overview

General
FDIC Certificate #: 30339
Status: Active
Federal Reserve ID: 123374
Date Established: June 23, 1948
WWW: http://www.beauregardfsb.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 5195
FDIC's unique #: 43173
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: June 23, 1948
Last Structure Change Effective Date: July 21, 2011
Last Structure Change Process Date: July 21, 2011
Last Data Update: July 21, 2011
Data Source Date: April 05, 2012
Location
Address: 122 Jefferson Avenue, Deridder, LA 70634
County: Beauregard
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
Combined Statistical Area (CSA): Fort Polk South-DeRidder, LA (#256)
Core Based Statistical Area (CBSA): DeRidder, LA (#19760)
CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $55.5 mil
Equity capital: $9.2 mil
Deposits held in domestic offices: $46.0 mil
Return on assets (ROA): 2.87% ($1.6 mil)
Quarterly return on assets: 2.48% ($1.4 mil)
Return on Equity (ROE): 16.35% ($1.5 mil)
Quarterly return on equity: 14.05% ($1.3 mil)
Net income: $1.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 2.87% ($1,591.9 mil)
Quarterly Pretax return on assets: 2.48% ($1,375.6 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
10Total employees (full-time equivalent)
$55,468Total assets
$7,893Cash and due from depository institutions
$7,083Interest-bearing balances
$11,042Securities
$0Federal funds sold & reverse repurchase agreements
$35,161Net loans & leases
$517Loan loss allowance
$0Trading account assets
$403Bank premises and fixed assets
$169Other real estate owned
$0Goodwill and other intangibles
$55,468Life insurance assets
$800All other assets
$46,252Total liabilities and capital
$46,004Total liabilities
$44,377Total deposits
$46,004Interest-bearing deposits
$81Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$248Subordinated debt
$9,216All other liabilities
$9,216Total equity capital
$9,216Total bank equity capital
$0Perpetual preferred stock
$114Common stock
$52Surplus
$9,050Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$814Income earned, not collected on loans
$0Earning assets
$275Long-term assets (5+ years)
$53,286Average Assets, year-to-date
$0Average Assets, quarterly
$53,157Volatile liabilities
$53,993Insider loans
$29,012FHLB advances
$55,468Loans and leases held for sale
$92Unused loan commitments
$0Tier 1 (core) risk-based capital
$9,216Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$5,772Restructured Loans and leases
$549Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$3,269Total interest income
$417Total interest expense
$2,852Net interest income
$75Provision for loan and lease losses
$121Total noninterest income
$0Fiduciary activities
$105Service charges on deposit accounts
$0Trading account gains & fees
$16Additional noninterest income
$1,470Total noninterest expense
$855Salaries and employee benefits
$234Premises and equipment expense
$381Additional noninterest expense
$1,428Pre-tax net operating income
$98Securities gains (losses)
$0Applicable income taxes
$1,526Income before extraordinary items
$0Extraordinary gains - net
$1,526Net income attributable to bank
$0Net charge-offs
$1,526Cash dividends
$54Sale, conversion, retirement of capital stock, net
$1,218Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.47%Yield on earning assets
0.83%Cost of funding earning assets
5.64%Net interest margin
0.24%Noninterest income to earning assets
2.91%Noninterest expense to earning assets
2.69%Net operating income to assets
2.87%Return on assets (ROA)
2.87%Pretax return on assets
16.35%Return on equity (ROE)
3.30%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
138.89%Credit loss provision to net charge-offs
27.83%Efficiency ratio
49,445Assets per employee
5.55%Cash dividends to net income (YTD only)
Condition Ratios (%)
79.82%Loss allowance to loans
1.45%Loss allowance to noncurrent loans
63.51%Noncurrent assets plus other real estate owned to assets
1.77%Noncurrent loans to loans
2.28%Net loans and leases to deposits
76.43%Net loans and leases to core deposits
87.67%Equity capital to assets
16.61%Core capital (leverage) ratio
16.61%Tier 1 risk-based capital ratio
31.77%Total risk-based capital ratio
Memoranda
$33Average assets
$53,157Average earning assets
$9,335Average equity
$50,536Average loans

List of branches

2 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	43173	Beauregard Fsb	122 Jefferson Avenue, Deridder, LA 70634	June 23, 1948	Full Service Brick and Mortar
1	441478	522 N. Pine Street Branch	522 N. Pine Street, Deridder, LA 70634	September 27, 1999	Full Service Brick and Mortar

Beauregard FSB in Deridder, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Beauregard FSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Beauregard FSB in Deridder, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

Beauregard FSB - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

Beauregard FSB in Deridder, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches