FPB FINANCIAL CORP. (OTCQB: FPBF), the Holding Company for Florida Parishes Bank, Announces 2017 Fourth Quarter/Full Year Results and Declares Dividends

CBJ Newsmakers

HAMMOND, LA–(Marketwired – January 30, 2018) – FPB Financial Corp. (OTCQB: FPBF), the holding for Florida Parishes Bank, announced financial results for the 2017 period ended December 31, 2017.

Balance Sheet and Capital

Total assets at December 31, 2017 increased 16% to $346.2 million when compared to December 31, 2016. The increase in total assets was primarily due to a 35% increase in net loans over the twelve month period to $217.0 million. Total Liabilities increased 13% over the period. Deposits were the primary component of these increases with total deposits of $290.6 million at December 31, 2017 of which $76.3 million were Non-Interest Bearing, which represents an increase of 13% from December 31, 2016.

Total loans increased to $221.3 million at December 31, 2017. Of that total $195.3 million, or 88.2%, were secured by real estate.

 
REAL ESTATE SECURED LOANS
December 31, 2017
(In Thousands)
  Balances     % of Portfolio
           
1-4 Family $ 78,296     35.38%
Multi-Family   7,191     3.25%
Land & Construction   43,320     19.57%
Commercial Real Estate          
    Non-Owner Occupied   31,711     14.33%
    Owner Occupied   34,766     15.71%
           
TOTAL REAL ESTATE $ 195,284     88.23%
           
           
NON – REAL ESTATE SECURED LOANS
           
Commercial & Industrial $ 19,597     8.85%
Consumer   7,369     3.33%
           
TOTAL COMMERCIAL &           
    INDUSTRIAL & CONSUMER $ 26,966     12.18%
           
Less unearned income on loans   (923)     (0.42%)
           
  TOTAL LOANS $ 221,327     100.00%
           
 
CONSOLIDATED LOAN AND DEPOSIT BALANCES BY MARKET
December 31, 2017
(In Thousands)
        
Market  Deposit Balances   Loan Balances
            
Tangipahoa Parish (4 offices) $ 223,246   $ 102,740
St. Tammany Parish (2 offices)   34,725     69,013
Jefferson Parish (1 office)   32,592     46,060
Other    0     3,564
            
    Total $ 290,563   $ 221,377
            

Total Common Stockholders’ Equity increased by a net of $11.0 million, or 35% to $42.1 million for the twelve months ended December 31, 2017. This was primarily due to the sale of 594,806 shares of common stock in a private placement during the first and second quarters of 2017. The common shares were sold at a per share price of $16.75 producing gross proceeds of $10.0 million. A total of 198,275 warrants shares were authorized in connection with the 2017 private placement sale of common shares, the warrants which are convertible into common shares were authorized at a conversion price of $16.75 per share. The warrant holders have until March 31, 2019 to exercise and convert their warrants into common shares of the company. The net proceeds from this common stock issue will be used to fund business development and growth opportunities primarily in both the New Orleans and Hammond, LA Metropolitan Statistical Areas (MSA’s) through our subsidiary, Florida Parishes Bank and for other general corporate purposes at the Company level.

Capital Surplus increased by $9.9 million to $22.1 million at December 31, 2017 when compared to December 31, 2016. Retained Earnings increased by $719,000 to $20.0 million for the twelve month period. Other Comprehensive Income increased by $343,000, or 95% from December 31, 2016 to December 31, 2017. Book value per common share increased to $15.56 as total common shares of 2,706,732 were outstanding at December 31, 2017 (this common share total does not include 198,275 of authorized warrants). In the 2017 fourth quarter, a total of 49,500 restricted common shares were awarded to officers and executive officers of Florida Parishes Bank and FPB Financial Corp. These recently awarded shares are scheduled to be fully vested on or before the fourth quarter of 2032. As of the 2017 year-end, 51,383 shares of the 2,706,732 common shares outstanding are restricted common shares that represent stock awards to officers of the Bank and Company which are not vested as of December 31, 2017.

At the subsidiary bank level, Tier 1 Capital increased to $ 33.0 million at December 31, 2017.

Earnings

Net Income in the 2017 fourth quarter decreased 70% to $167,000 ($0.06 per fully diluted common share) as compared to the 2016 fourth quarter net income of $560,000 ($0.27 per fully diluted common share). For the year ending December 31, 2017 net income decreased 52% to $1.3 million ($0.51 per fully diluted common share) as compared to the 2016 period net income of $2.6 million ($1.36 per fully diluted common share). The decline in net income in both the 2017 fourth quarter and for the 2017 year was primarily attributed to increases in Non-Interest expense, Provisions for Loan Losses and Income Tax expense. Compensation, Occupancy and Other expenses increased in both periods primarily due to the March 2017 opening of our full service banking center in Metairie, LA. Provisions for Loan Losses increased primarily due to an increase in total loans outstanding of $59.3 million, or 35%, in the 12 month period ending December 31, 2017 and by $19.3 million, or 9.4%, in the 2017 fourth quarter. Income tax expense increased in the 2017 fourth quarter by $278,000, or 136%, primarily due to the December 2017 change in Federal taxation requirements in relation to the company’s deferred tax assets (DTAs).

Revenue (defined as Net-Interest income and Total Non-Interest income) in the 2017 fourth quarter increased to $4.3 million, or 17.1% when compared to the 2016 period. Pre-Provision for loan losses, Pre-Income tax expense – net income in the 3 month period ending December 31, 2017 increased to $1.0 million, or 21.7% when compared to the 2016 period. The Company’s Net-Interest Margin declined in the 2017 fourth quarter to 4.31% from 4.39% in the 2016 period.

 
CONSOLIDATED RATE & YIELD
For the Twelve Months Ended December 31, 2017
 
            2017
Average
Yield/
Rate
  2016
Average
Yield/
Rate
             
    Average
Balance
   
Interest
   
       
Interest-Earning Assets                    
  Loans Receivable   $ 190,370   $ 12,240   6.43%   6.86%
  Mortgage-Backed Securities     18,137     337   1.86%   1.78%
  Investment Securities AFS     51,937     1,042   2.01%   2.07%
  Investment Securities HTM     3,784     106   2.80%   3.29%
  Trading Assets     127     -   0.00%   0.00%
  State & Municipal Securities     14,374     322   2.24%   2.63%
  Federal Home Loan Bank Stock     605     7   1.16%   0.87%
  First National Bankers Bank Stock     300     3   1.00%   1.00%
  Interest-earning deposits     18,815     159   0.85%   0.37%
                     
  Total Interest-Earning Assets     298,449     14,216   4.76%   5.13%
                     
Non-Interest Earning Assets     29,373              
                     
Less Allowance for Loan Loss     3,805              
                     
  Total Assets   $ 324,017              
                     
Interest-Bearing Liabilities                    
  Deposits   $ 204,297   $ 1,265   0.62%   0.54%
  FHLB Advances     4,327     76   1.76%   1.30%
  Fed Funds Purchased     250     -   0.00%   0.00%
  Preferred Statutory Trust     3,093     135   4.36%   3.85%
                     
  Total Interest-Bearing Liabilities     211,967     1,476   0.70%   0.64%
                     
Non-Interest Bearing Liabilities     72,441              
                     
  Total Liabilities     284,408              
                     
Stockholders’ Equity     39,609              
                     
  Total Liabilities and                    
  Stockholders’ Equity   $ 324,017              
                     
Net Interest-Earning Assets   $ 86,482              
                     
Net Interest Income; Average                    
  Interest Rate Spread         $ 12,740   4.07%   4.49%
                     
Net Interest Margin               4.27%   4.67%
                     
Average Interest-Earning Assets                    
  to Average Interest-Bearing                    
  Liabilities     140.80%              
                     
 
CONSOLIDATED RATE & YIELD
For the Three Months Ended December 31, 2017
 
 
     
 
Average
Balance
   
 
 
Interest
  2017
Average
Yield/
Rate
  2016
Average
Yield/
Rate
         
         
         
Interest-Earning Assets:                    
  Loans Receivable   $ 213,177   $ 3,377   6.28%   6.71%
  Mortgage-Backed Securities     16,911     77   1.81%   1.42%
  Investment Securities AFS     56,249     257   1.81%   2.01%
  Investment Securities HTM     5,075     38   2.97%   2.45%
  Trading Assets     126     -   0.00%   0.00%
  State & Municipal Securities     14,245     80   2.23%   2.43%
  Federal Home Loan Bank Stock     278     -   0.00%   0.99%
  First National Bankers Bank Stock     300     -   0.00%   0.00%
  Interest-earning deposits     10,967     19   0.69%   0.38%
                       
  Total Interest-Earning Assets     317,328     3,848   4.81%   4.85%
                     
Non-Interest Earning Assets     29,397              
                     
Less Allowance for Loan Loss     4,385              
                     
  Total Assets   $ 342,340              
                     
Interest-Bearing Liabilities:                    
  Deposits   $ 215,183   $ 351   0.65%   0.54%
  FHLB Advances     2,800     17   2.41%   1.45%
  Fed Funds Purchased     998     -   0.00%   0.00%
  Preferred Statutory Trust     3,093     35   4.49%   3.99%
                     
  Total Interest-Bearing Liabilities     222,074     403   0.72%   0.63%
                     
Non-Interest Bearing Liabilities     77,882              
                     
  Total Liabilities     299,956              
                     
Stockholders’ Equity     42,384              
                     
  Total Liabilities and                    
  Stockholders’ Equity   $ 342,340              
                     
Net Interest-Earning Assets   $ 95,254              
                     
Net Interest Income; Average                    
  Interest Rate Spread         $ 3,445   4.09%   4.22%
                     
Net Interest Margin               4.31%   4.39%
                     
Average Interest-Earning Assets                    
  to Average Interest-Bearing                    
  Liabilities     142.89%              
                       

Items affecting and contributing to the Company’s 2017 fourth quarter change in net income when compared to the 2016 quarterly period:

  • Net Interest Income increased to $3.4 million from $2.8 million in 2016, or 23.0%
  • Total non-interest expenses increased to $3.3 million in 2017 from $2.8 million in 2016, or 15.7%
  • Compensation and employee benefits increased to $1.9 million from $1.7 million in 2016, or 10.5%
  • Provisions for Loan Losses increased to $400,000, or 433.0%

Other items and per share data of note this Year-To-Date (YTD) as of December 31, 2017, compared to the twelve month period ending December 31, 2016

  • Total Revenue (Net interest income and Non-interest income) increased to $16.4 million or 14.0%
  • Net Interest income increased to $12.7 million or 17.2%
  • Total Common Stockholders’ Equity increased to $42.1 million, or 35.3%
  • Cash Dividends paid to common shareholders total $499,000 in 2017 and $365,000 in 2016
  • Book Value per common share increased by 3.1% to $15.56
  • Net Loans increased to $217.0 million or 35.1%
  • Allowance for Loan Losses increased to $4.4 million, or 31.0%
  • Non-Interest Bearing Deposits increased by 13.0% to $76.3 million
  • Non-Maturity deposits increased by 18.1% to $241.5 million
  • Total Assets increased by 15.6% to $346.2 million
  • FHLB advances decreased by 17.8% to $8.8 million

Asset Quality

Total non-performing assets (NPA’s) at December 31, 2017 increased by $1.0 million, or 45% to $3.1 million when compared to December 31, 2016 and represents 1.4% of gross loans. NPA’s at September 30, 2017 totaled $3.4 million. The increase during the 12 month period ending December 31, 2017 in NPA’s were attributed to an increase of $148,000 in loans on nonaccrual, to $1.8 million; an increase of $814,000 in Other Real Estate Owned (OREO), to $1.3 million and a $20,000 increase in loans 90-days past due and accruing, to $20,000. The decrease in NPA’s during the 3 month period ending December 31, 2017 were attributed to a decrease of $320,000 in non-accrual loans, an increase of $158,000 in OREO and a $121,000 decrease in loans 90-days past due and accruing. The Company’s allowance for loan losses (ALLL) increased by 31% to $4.4 million at December 31, 2017 when compared to December 30, 2016. The $4.4 million in the ALLL represents 2.1% of average net loans in the 2017 fourth quarter period and 139% of NPA’s on December 31, 2017. At September 30, 2017 the Company’s ALLL totaled $4.3 million or 2.2% of 2017 third quarter average net loans and 124% of NPA’s at period end.

Net loan charge-offs for the 2017 fourth quarter totaled $292,000 (0.55% of average net loans) up from $156,000 (0.40%) of net loan charge-offs in the 2016 fourth quarter. Net loan charge-offs were $70,000 (0.14%) in the 2017 third quarter. Troubled Debt Restructured (TDR’s) cumulative total through December 31, 2017 was $2.9 million, of which $471,000 are on nonaccrual. Total TDR’s on December 31, 2016 and September 30, 2017 were $3.4 million and $3.2 million respectively.

FPB Financial Corp. is headquartered in Hammond, LA and is the parent company of Florida Parishes Bank. The Company’s common stock is traded under the “FPBF” symbol.

This news release contains certain forward-looking statements, including statements about the financial condition, results of operations and earnings outlook for FPB Financial Corp. and its subsidiaries. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as “believe,” “expect,” “anticipate,” “estimate” and “intend” or future or conditional verbs such as “will,” “would,” “should,” “could” or “may.” Forward-looking statements, by their nature, are subject to risks and uncertainties. A number of factors, many of which are beyond the Company’s control, could cause actual conditions, events or results to differ significantly from those described in the forward-looking statements. These factors include, among others, the following: general economic conditions, changes in interest rates, deposit flows, the cost of funds, changes in credit quality, interest rate risks associated with the Company’s business and operations and the adequacy of our allowance for loan losses. Other factors include changes in our loan portfolio, changes in competition, fiscal and monetary policies and legislation and regulatory changes. We undertake no obligation to update any forward-looking statements.

 
FPB Financial Corp.
 
                     
Selected Balances   Dec. 31,   Dec. 31,       Sept. 30,    
    2017   2016   %   2017   %
    (Unaudited)   (Unaudited)   Change   (Unaudited)   Change
                           
Tangible Common Stockholders’ Equity                          
$ 42,111,968   $ 31,122,382   35   $ 42,325,625   (1)
                           
Total Assets     346,174,764     299,319,113   16     337,925,939   2
                           
Net Loans     217,000,626     160,595,181   35     200,004,420   8
                           
Non-Interest Bearing Deposits     76,322,570     67,565,911   13     75,276,323   1
                           
Non-Maturity Deposits (included in Interest and non-interest bearing Deposits)                          
                       
  241,536,253     204,402,513   18     242,251,184   (0)
                           
Brokered Deposits (included in Interest-Bearing deposits                          
  4,380,507     5,400,997   (19)     4,022,470   9
                           
FHLB Advances     8,800,000     10,700,000   (18)     2,000,000   340
                           
Foreclosed Assets     943,500     129,470   629     786,120   20
                           
Non-Performing Assets (includes Foreclosed Assets and Other Real Estate Owned)                          
                       
  3,147,007     2,165,737   45     3,430,584   (8)
                           
Allowance for Loan Losses     4,376,126     3,340,404   31     4,267,899   3
                           
 
CONSOLIDATED STATEMENT OF EARNINGS
 
                     
    For the Three Months Ended   For the Twelve Months Ended
                     
    Dec. 31,   Sept. 30,   Dec. 31,   Dec. 31,   Dec. 31,
    2017   2017   2016   2017   2016
    (Unaudited)   (Unaudited)   (Unaudited)   (Unaudited)   (Unaudited)
                               
INTEREST AND DIVIDEND INCOME                              
                               
Mortgage Loans   $ 2,895,980   $ 2,768,117   $ 2,261,610   $ 10,412,504   $ 8,685,243
                               
Commercial Loans     283,229     281,084     227,207     1,031,324     882,296
                               
Consumer Loans     195,689     191,637     210,909     786,149     837,454
                               
Investment Securities and                              
Deposits     473,403     523,803     386,490     1,986,301     1,545,525
                               
TOTAL INTEREST AND DIVIDEND                              
INCOME     3,848,301     3,764,641     3,086,216     14,216,278     11,950,518
                               
INTEREST EXPENSE                              
                               
Deposits     351,280     351,440     233,810     1,265,149     841,752
                               
Subordinated debentures/trust                              
Preferred securities     34,892     34,909     30,935     135,098     119,038
                               
Federal Home Loan Bank                              
Advances     17,172     13,008     26,525     75,841     118,549
                               
TOTAL INTEREST EXPENSE     403,345     399,357     291,270     1,476,088     1,079,339
                               
NET INTEREST INCOME     3,444,956     3,365,284     2,794,946     12,740,190     10,871,179
                               
Provisions for loan losses     400,000     612,000     75,000     1,522,000     216,000
                               
  NET INTEREST INCOME                              
  AFTER PROVISION FOR                              
  LOAN LOSSES     3,044,956     2,753,284     2,719,946     11,218,190     10,655,179
                               
                               
NON-INTEREST INCOME                              
                               
Mortgage Banking Fees     225,776     410,517     333,145     1,239,980     1,296,793
                               
Service Charges on Deposits     251,248     236,450     203,132     916,487     855,350
                               
Interchange Fees     188,701     181,428     179,132     733,596     654,499
                               
Gain on Bank Owned Life                              
Insurance     47,318     48,265     46,576     184,876     139,966
                               
Loan Fees and Charges     37,958     53,424     41,697     168,956     203,920
                               
Gain/(Loss) on Trading Accounts     (46)     (211)     16,921     (8,646)     (4,992)
                               
Gain/(Loss) on Sale of Investments                              
and Foreclosed Assets     (51,169)     24,327     (2,422)     (30,717)     165,846
                               
Other     156,060     192,059     59,201     489,360     236,449
                               
TOTAL NON-INTEREST INCOME     855,846     1,146,259     877,382     3,693,892     3,547,831
                               
NON-INTEREST EXPENSE                              
                               
Compensation and Employee                              
Benefits     1,877,674     1,811,219     1,698,472     7,499,832     6,174,112
                               
Occupancy, local and state taxes                              
and Equipment     379,369     413,537     336,536     1,608,216     1,352,807
                               
Technology and Information                              
Processing     275,370     268,269     247,666     1,024,949     940,287
                               
Professional Fees     83,401     127,491     76,560     388,942     354,135
                               
Regulatory Fees     105,830     106,312     52,844     346,672     208,639
                               
Other     529,866     451,581     397,971     1,893,017     1,398,995
                               
TOTAL NON-INTEREST EXPENSE     3,251,510     3,178,409     2,810,049     12,761,627     10,428,975
                               
INCOME BEFORE INCOME TAXES     649,293     721,134     787,279     2,150,455     3,774,035
                               
Income Tax Expense     481,802     204,114     227,211     872,072     1,132,206
                               
  NET INCOME   $ 167,490   $ 517,020   $ 560,068   $ 1,278,383   $ 2,641,829
                               
PER COMMON SHARE DATA                    
                     
Net Earnings   $ 0.06   $ 0.19   $ 0.27   $ 0.51   $ 1.36
                               
Diluted Net Earnings   $ 0.06   $ 0.19   $ 0.27   $ 0.51   $ 1.36
                               
Revenue (Net Interest Income and                              
Non-Interest Income   $ 1.62   $ 1.70   $ 1.79   $ 6.58   $ 7.44
                               
Dividends Paid   $ 0.05   $ 0.05   $ 0.05   $ 0.20   $ 0.20
                               
Book Value (Period End)   $ 15.56   $ 15.93   $ 15.09   $ 15.56   $ 15.09
                               
Book Value Adjusted Net of                              
Other Comprehensive Income                              
(Period Ended)   $ 15.56   $ 15.84   $ 15.27   $ 15.56   $ 15.27
                               
RATIOS                              
                               
ROA (Annualized Net Income to                              
Average Period Assets)     0.19%     0.61%     0.80%     0.39%     1.02%
                               
ROE (Annualized Net Income to                              
Average Period Total Stockholders’                              
Equity)     1.57%     4.86%     7.06%     3.23%     9.07%
                               
Net Interest Margin (Average                              
for the Period)     4.31%     4.34%     4.39%     4.27%     4.67%
                               
Non-Interest expense less Non-                              
Interest Income to Average Period                              
Total Assets (Annualized)     2.78%     2.41%     2.75%     2.80%     2.66%
                               
Efficiency Ratio for the Period     75.60%     70.45%     76.52%     77.65%     72.33%
                               
Net Loan Charge-Offs (Recoveries) for the Period to Average   $ 291,774   $ 69,856   $ 156,138   $ 486,278   $ 116,546
Period Net Loans (Annualized)     0.55%     0.14%     0.40%     0.26%     0.08%
                               
TDR’s at Period End   $ 2,931,589   $ 3,175,034   $ 3,440,321   $ 2,931,589   $ 3,440,321
to Average Period Net Loans     1.40%     1.61%     2.19%     1.57%     2.32%
                               
Non-Performing Assets at Period End   $ 3,147,007   $ 3,430,584   $ 2,165,737   $ 3,147,007   $ 2,165,737
to Average Period Assets     0.92%     1.03%     0.77%     0.97%     0.84%
                               
Allowance for Loan Losses at                              
Period End   $ 4,376,126   $ 4,267,899   $ 3,340,404   $ 4,376,126   $ 3,340,404
to Average Period Net Loans     2.10%     2.17%     2.13%     2.34%     2.26%
to Non-Performing Assets at                              
Period End     139.06%     124.41%     154.24%     139.06%     154.24%
                               
 
CONSOLIDATED STATEMENT OF CONDITION
                     
                     
    Dec. 31,
2017
(Unaudited)
  Dec. 31,
2016
(Unaudited)
   
%
Change
  Sept. 30,
2017
(Unaudited)
   
%
Change
           
           
                     
ASSETS                    
                           
Cash and Cash Equivalents (including                          
Interest and Non-Interest Earning                          
Deposits)   $ 11,831,667   $ 34,265,949   (65)   $ 25,144,154   (53)
                           
Securities – Held to Maturity     5,405,894     2,922,473   85     3,405,644   59
                           
Securities – Available for Sale     89,217,057     80,714,624   11     86,789,197   3
                           
Trading Securities     125,179     133,824   (6)     125,225   (0)
                           
Bank Owned Life Insurance     7,104,450     6,419,574   11     7,057,131   1
                           
Net Loans     217,000,626     160,595,181   35     200,326,778   8
                           
Accrued Interest Receivable     1,362,179     1,141,310   19     1,203,375   13
                           
Premises and Equipment, Net     11,472,614     11,616,056   (1)     11,553,154   (1)
                           
Foreclosed Assets     943,500     129,470   629     785,170   20
                           
Deferred Tax Assets     436,753     397,761   10     87,246   401
                           
Other Assets     1,274,844     982,891   30     1,448,865   (12)
                           
  TOTAL ASSETS   $ 346,174,764   $ 299,319,113   16   $ 337,925,939   2
                           
LIABILITIES                          
                           
Deposits   $ 290,562,949   $ 253,398,720   15   $ 289,418,157   0
                           
Federal Home Loan Bank Advances     8,800,000     10,700,000   (18)     2,000,000   340
                           
Subordinated debentures/trust                          
Preferred securities     3,093,000     3,093,000   0     3,093,000   0
                           
Other Liabilities     1,606,846     1,005,011   60     1,089,157   48
                           
  TOTAL LIABILITIES   $ 304,062,796   $ 268,196,731   13   $ 295,600,314   3
                           
STOCKHOLDERS’ EQUITY                          
                           
Common Stock   $ 14,192   $ 12,872   10   $ 14,192   0
                           
Capital Surplus     22,075,469     12,149,513   82     22,069,909   0
                           
Retained Earnings     20,042,572     19,319,861   4     20,004,420   0
                           
Other Comprehensive Income (Loss)     (20,264)     (359,864)   95     237,104   (107)
                           
Total Stockholders’ Equity     42,111,968     31,122,382   35     42,325,625   (1)
                           
  TOTAL LIABILITIES AND                          
  STOCKHOLDERS’ EQUITY   $ 346,174,764   $ 299,319,113   16%   $ 337,925,939   2%
                           

Fritz W. Anderson II, CEO and Chairman of the Board, announced today that, “On January 11, 2018, the Board of Directors of FPB Financial Corp. declared a cash dividend on the common stock of the company. The dividend rate of $0.06 per share will be paid on March 26, 2018 to stockholders of record at the close of business on March 12, 2018.”

For More Information Contact:

Fritz W. Anderson, II
Chief Executive Officer and Chairman
FPB Financial Corp.
Chairman
Florida Parishes Bank
(985) 345-1880

Ronnie Fugarino
President
FPB Financial Corp.
Chief Executive Officer
Florida Parishes Bank
(985) 345-1880

Albert Kelleher
President
Florida Parishes Bank
(985) 345-1880

Derek Shants
Chief Financial Officer and Chief Operations Officer
FPB Financial Corp. and Florida Parishes Bank
(985) 345-1880

Joe Omner
Executive Vice President, Chief Operating Officer and Chief Lending Officer
Florida Parishes Bank
(985) 345-1880

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