FDIC Certificate #: 8531 Status: Active Federal Reserve ID: 926959 Bank Holding Company (Regulatory Top Holder): Coushatta Bancshares, Inc. (RSSDID: 1104530, Location: Coushatta, LA) Date Established: August 01, 1897 WWW:http://www.bankofcoushatta.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 13335 FDIC's unique #: 5439 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 1525 Ringgold Avenue, Coushatta, LA 71019 County: Red River Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Shreveport Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $213.2 mil Equity capital: $17.7 mil Deposits held in domestic offices: $195.0 mil Return on assets (ROA): 1.32% ($2.8 mil) Quarterly return on assets: -0.02% (-$0.0 mil) Return on Equity (ROE): 16.64% ($3.0 mil) Quarterly return on equity: -0.20% (-$0.0 mil) Net income: $2.6 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 1.32% ($2,813.6 mil) Quarterly Pretax return on assets: -0.02% (-$42.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
28Total employees (full-time equivalent)
$213,155Total assets
$27,472Cash and due from depository institutions
$21,129Interest-bearing balances
$118,501Securities
$700Federal funds sold & reverse repurchase agreements
$60,216Net loans & leases
$917Loan loss allowance
$0Trading account assets
$1,794Bank premises and fixed assets
$136Other real estate owned
$0Goodwill and other intangibles
$213,155Life insurance assets
$4,336All other assets
$195,456Total liabilities and capital
$195,015Total liabilities
$139,810Total deposits
$195,015Interest-bearing deposits
$65Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$14Trading liabilities
$0Other borrowed funds
$427Subordinated debt
$17,699All other liabilities
$17,699Total equity capital
$17,699Total bank equity capital
$0Perpetual preferred stock
$220Common stock
$3,950Surplus
$13,529Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$4,478Income earned, not collected on loans
$6Earning assets
$1,618Long-term assets (5+ years)
$200,546Average Assets, year-to-date
$103,288Average Assets, quarterly
$197,724Volatile liabilities
$205,081Insider loans
$95,834FHLB advances
$203,327Loans and leases held for sale
$1,921Unused loan commitments
$1,921Tier 1 (core) risk-based capital
$14,708Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,768Restructured Loans and leases
$334Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$8,005Total interest income
$1,181Total interest expense
$6,824Net interest income
$1,342Provision for loan and lease losses
$531Total noninterest income
$0Fiduciary activities
$318Service charges on deposit accounts
$0Trading account gains & fees
$213Additional noninterest income
$3,374Total noninterest expense
$1,615Salaries and employee benefits
$280Premises and equipment expense
$1,479Additional noninterest expense
$2,639Pre-tax net operating income
-$25Securities gains (losses)
$0Applicable income taxes
$2,614Income before extraordinary items
$0Extraordinary gains - net
$2,614Net income attributable to bank
$0Net charge-offs
$2,614Cash dividends
$1,189Sale, conversion, retirement of capital stock, net
$251Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.32%Yield on earning assets
0.64%Cost of funding earning assets
3.68%Net interest margin
0.29%Noninterest income to earning assets
1.82%Noninterest expense to earning assets
1.33%Net operating income to assets
1.32%Return on assets (ROA)
1.32%Pretax return on assets
16.64%Return on equity (ROE)
15.05%Retained earnings to average equity (YTD only)
1.98%Net charge-offs to loans
112.87%Credit loss provision to net charge-offs
3.35%Efficiency ratio
45,874Assets per employee
7.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
9.60%Loss allowance to loans
1.50%Loss allowance to noncurrent loans
20.48%Noncurrent assets plus other real estate owned to assets
2.16%Noncurrent loans to loans
7.33%Net loans and leases to deposits
30.88%Net loans and leases to core deposits
34.62%Equity capital to assets
8.30%Core capital (leverage) ratio
7.23%Tier 1 risk-based capital ratio
15.35%Total risk-based capital ratio
Memoranda
$16Average assets
$197,724Average earning assets
$15,705Average equity
$185,425Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
5439
Bank Of Coushatta
1525 Ringgold Avenue, Coushatta, LA 71019
August 01, 1897
Full Service Brick and Mortar
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