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


  • Franklin State Bank & Trust Company in Winnsboro, Louisiana (LA)
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Franklin State Bank & Trust Company routing number info

Franklin State Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 11792
    Status: Active
    Federal Reserve ID: 1006652
    Bank Holding Company (Regulatory Top Holder): Franklin Bancorp, Inc. (RSSDID: 1109731, Location: Winnsboro, LA)
    Date Established: January 01, 1908
    WWW: http://www.fsbnet.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    FDIC's unique #: 7544
    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: All Other Specialization < 1 Billion
    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: 802 Prairie 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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $130.8 mil
    Equity capital: $11.5 mil
    Deposits held in domestic offices: $119.0 mil
    Return on assets (ROA): 1.38% ($1.8 mil)
    Quarterly return on assets: 0.47% ($0.6 mil)
    Return on Equity (ROE): 14.48% ($1.6 mil)
    Quarterly return on equity: 5.02% ($0.6 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.38% ($1,804.7 mil)
    Quarterly Pretax return on assets: 0.47% ($614.6 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
  • 48Total employees (full-time equivalent)
  • $130,776Total assets
  • $41,735Cash and due from depository institutions
  • $36,678Interest-bearing balances
  • $18,137Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $65,837Net loans & leases
  • $596Loan loss allowance
  • $0Trading account assets
  • $2,663Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $130,776Life insurance assets
  • $2,404All other assets
  • $119,280Total liabilities and capital
  • $119,027Total liabilities
  • $82,429Total deposits
  • $119,027Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11Trading liabilities
  • $0Other borrowed funds
  • $242Subordinated debt
  • $11,496All other liabilities
  • $11,496Total equity capital
  • $11,496Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $4,400Surplus
  • $6,496Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $598Income earned, not collected on loans
  • $159Earning assets
  • $933Long-term assets (5+ years)
  • $120,652Average Assets, year-to-date
  • $9,130Average Assets, quarterly
  • $123,081Volatile liabilities
  • $126,819Insider loans
  • $63,949FHLB advances
  • $128,208Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,288Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,421Restructured Loans and leases
  • $3,575Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,825Total interest income
  • $750Total interest expense
  • $5,075Net interest income
  • $120Provision for loan and lease losses
  • $868Total noninterest income
  • $0Fiduciary activities
  • $598Service charges on deposit accounts
  • $0Trading account gains & fees
  • $270Additional noninterest income
  • $4,129Total noninterest expense
  • $2,367Salaries and employee benefits
  • $382Premises and equipment expense
  • $1,380Additional noninterest expense
  • $1,694Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,694Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,694Net income attributable to bank
  • $0Net charge-offs
  • $1,694Cash dividends
  • $124Sale, conversion, retirement of capital stock, net
  • $1,470Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.09%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 4.44%Net interest margin
  • 0.76%Noninterest income to earning assets
  • 3.61%Noninterest expense to earning assets
  • 1.38%Net operating income to assets
  • 1.38%Return on assets (ROA)
  • 1.38%Pretax return on assets
  • 14.48%Return on equity (ROE)
  • 1.91%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 96.77%Credit loss provision to net charge-offs
  • 14.63%Efficiency ratio
  • 69,477Assets per employee
  • 2.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.78%Loss allowance to loans
  • 0.90%Loss allowance to noncurrent loans
  • 99.67%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.90%Net loans and leases to deposits
  • 55.31%Net loans and leases to core deposits
  • 60.42%Equity capital to assets
  • 8.79%Core capital (leverage) ratio
  • 8.80%Tier 1 risk-based capital ratio
  • 17.65%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $123,081Average earning assets
  • $11,697Average equity
  • $114,421Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $174Managed Assets
  • 1Number of Accounts
  • $174Personal trust and agency accounts
  • $174Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 5Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 4 Louisiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07544Franklin State Bank & Trust Company802 Prairie Street, Winnsboro, LA 71295January 01, 1908Full Service Brick and Mortar
    1225562Crowville BranchState Highway 17, Crowville, LA 71230June 28, 1965Full Service Brick and Mortar
    2225563Wisner BranchPine And Hope Streets, Wisner, LA 71378January 01, 1908Full Service Brick and Mortar
    3225564Motor Branch203 North Front Street, Winnsboro, LA 71295October 01, 1973Limited Service Facility

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