Beauregard FSB

Beauregard FSB is headquartered in Deridder and is the 132^nd largest bank in the state of Louisiana. It is also the 6,205^th largest bank in the nation. It was established in 1948 and as of December of 2011, it had grown to 10 employees at 2 locations. Beauregard FSB has a 5-star health rating.

Data for Q4 2011

Institution Statistics Beauregard FSB OTS # 05195 FDIC Certificate # 30339 BankRate Report View Year Established 1948 Employees 10 Primary Regulator OCC Assets and Liabilities Assets $55.47 million Loans $35.16 million Deposits $46.00 million Equity Capital $9.22 million Loan Loss Allowance $517,000 Unbacked Noncurrent Loans $814,000 Real Estate Owned $169,000 Historic Data - December 2010 Assets $51.66 million Equity Capital $8.91 million Loan Loss Allowance $496,000 Unbacked Noncurrent Loans $1.23 million Profit Margin - Quarterly Net Interest Margin 5.64% Return on Assets 2.87% Return on Equity 16.35% Interest Income $3.27 million

Institution Health Overall Score: 5 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 Beauregard FSB had $983,000 in non-current loans and owned real-estate with $9.73 million in equity and loan loss allowances on hand to cover it. This gives Beauregard FSB a Texas Ratio of 10.10% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Beauregard FSB decreased slightly from 13.07% as of December 31, 2010 to 10.10% as of December 31, 2011, resulting in a positive change of 22.72%.This indicates that the balance sheet and financial strength for Beauregard FSB has improved slightly in recent periods. Deposit Growth In the past year, Beauregard FSB has increased its total deposits by $3.46 million, resulting in 8.15% 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 Beauregard FSB 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. Beauregard FSB has $55.47 million in assets with $9.73 million in equity, resulting in a capitalization level of 17.55%, which is excellent.

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