Winnsboro State Bank & Trust Company

Winnsboro State Bank & Trust Company is headquartered in Winnsboro and is the 93^rd largest bank in the state of Louisiana. It is also the 4,257^th largest bank in the nation. It was established in 1902 and as of March of 2012, it had grown to 42 employees at 3 locations. Winnsboro State Bank & Trust Company has a 5-star health rating.

Data for Q1 2012

Institution Statistics Winnsboro State Bank & Trust Company FDIC Certificate # 10533 BankRate Report View Year Established 1902 Employees 42 Primary Regulator FDIC Assets and Liabilities Assets $129.66 million Loans $59.62 million Deposits $112.99 million Equity Capital $13.54 million Loan Loss Allowance $700,000 Unbacked Noncurrent Loans $485,000 Historic Data - March 2011 Assets $117.42 million Equity Capital $11.97 million Loan Loss Allowance $645,000 Unbacked Noncurrent Loans $618,000 Profit Margin - Quarterly Net Interest Margin 4.51% Return on Assets 1.58% Return on Equity 15.24% Interest Income $1.61 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 Winnsboro State Bank & Trust Company had $485,000 in non-current loans and owned real-estate with $14.24 million in equity and loan loss allowances on hand to cover it. This gives Winnsboro State Bank & Trust Company a Texas Ratio of 3.41% 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 Winnsboro State Bank & Trust Company decreased slightly from 4.90% as of March 31, 2011 to 3.41% as of March 31, 2012, resulting in a positive change of 30.45%.This indicates that the balance sheet and financial strength for Winnsboro State Bank & Trust Company has improved slightly in recent periods. Deposit Growth In the past year, Winnsboro State Bank & Trust Company has increased its total deposits by $9.14 million, resulting in 8.8% 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 Winnsboro 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. Winnsboro State Bank & Trust Company has $129.66 million in assets with $14.24 million in equity, resulting in a capitalization level of 10.98%, which is above average.

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