Bank of St. Francisville

Bank of St. Francisville is headquartered in Saint Francisvil and is the 110^st largest bank in the state of Louisiana. It is also the 4,921^st largest bank in the nation. It was established in 1978 and as of December of 2011, it had grown to 33 employees at 1 location. Bank of St. Francisville has a 4-star health rating.

Data for Q4 2011

Institution Statistics Bank of St. Francisville FDIC Certificate # 22739 BankRate Report View Year Established 1978 Employees 33 Primary Regulator FDIC Assets and Liabilities Assets $100.75 million Loans $67.73 million Deposits $86.33 million Equity Capital $9.58 million Loan Loss Allowance $876,000 Unbacked Noncurrent Loans $1.75 million Real Estate Owned $289,000 Historic Data - December 2010 Assets $94.56 million Equity Capital $8.93 million Loan Loss Allowance $672,000 Unbacked Noncurrent Loans $1.40 million Real Estate Owned $344,000 Profit Margin - Quarterly Net Interest Margin 5.32% Return on Assets 1.07% Return on Equity 11.13% Interest Income $5.17 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Bank of St. Francisville had $2.04 million in non-current loans and owned real-estate with $10.46 million in equity and loan loss allowances on hand to cover it. This gives Bank of St. Francisville a Texas Ratio of 19.46% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Bank of St. Francisville held steady from 18.17% as of December 31, 2010 to 19.46% as of December 31, 2011, resulting in a negative change of 7.14%. This indicates that the balance sheet and financial strength for Bank of St. Francisville has held steady in recent periods. Deposit Growth In the past year, Bank of St. Francisville has increased its total deposits by $6.44 million, resulting in 8.06% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of St. Francisville has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of St. Francisville has $100.75 million in assets with $10.46 million in equity, resulting in a capitalization level of 10.38%, which is above average.

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