Franklin State Bank & Trust Company

Franklin State Bank & Trust Company is headquartered in Winnsboro and is the 95^th largest bank in the state of Louisiana. It is also the 4,291^st largest bank in the nation. It was established in 1908 and as of March of 2012, it had grown to 48 employees at 4 locations. Franklin State Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Franklin State Bank & Trust Company FDIC Certificate # 11792 BankRate Report View Year Established 1908 Employees 48 Primary Regulator FDIC Assets and Liabilities Assets $128.30 million Loans $70.42 million Deposits $116.38 million Equity Capital $11.62 million Loan Loss Allowance $596,000 Unbacked Noncurrent Loans $413,000 Historic Data - March 2011 Assets $120.88 million Equity Capital $11.49 million Loan Loss Allowance $593,000 Unbacked Noncurrent Loans $536,000 Real Estate Owned $1,000 Profit Margin - Quarterly Net Interest Margin 4.13% Return on Assets 1.25% Return on Equity 14.01% Interest Income $1.41 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 March 31, 2012 Franklin State Bank & Trust Company had $413,000 in non-current loans and owned real-estate with $12.22 million in equity and loan loss allowances on hand to cover it. This gives Franklin State Bank & Trust Company a Texas Ratio of 3.38% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Franklin State Bank & Trust Company decreased slightly from 5.48% as of March 31, 2011 to 3.38% as of March 31, 2012, resulting in a positive change of 38.33%.This indicates that the balance sheet and financial strength for Franklin State Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Franklin State Bank & Trust Company has increased its total deposits by $10.34 million, resulting in 9.75% 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 Franklin State Bank & Trust Company 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. Franklin State Bank & Trust Company has $128.3 million in assets with $12.22 million in equity, resulting in a capitalization level of 9.52%, which is average.

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