FDIC Certificate #: 21529 Status: Active Federal Reserve ID: 687054 Bank Holding Company (Regulatory Top Holder): Oak Ridge Bancshares, Inc. (RSSDID: 1109900, Location: Oak Ridge, LA) Date Established: October 01, 1910 Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 14890 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: Mortgage Lending Specialization Date of Deposit Insurance: April 11, 1974 Last Structure Change Effective Date: November 01, 2007 Last Structure Change Process Date: November 02, 2007 Last Data Update: November 02, 2007 Data Source Date: April 05, 2012
Location
Address: 105 N. Oak, Oak Ridge, LA 71264 County: Morehouse 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 Combined Statistical Area (CSA): Monroe-Bastrop, LA (#384) Core Based Statistical Area (CBSA): Bastrop, LA (#12820) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Financial Summary
Total assets: $51.0 mil Equity capital: $5.0 mil Deposits held in domestic offices: $45.9 mil Return on assets (ROA): 0.66% ($0.3 mil) Quarterly return on assets: 0.15% ($0.1 mil) Return on Equity (ROE): 6.33% ($0.3 mil) Quarterly return on equity: 1.48% ($0.1 mil) Net income: $0.3 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.66% ($336.9 mil) Quarterly Pretax return on assets: 0.15% ($76.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
3Total employees (full-time equivalent)
$51,042Total assets
$3,518Cash and due from depository institutions
$0Interest-bearing balances
$43,487Securities
$0Federal funds sold & reverse repurchase agreements
$3,607Net loans & leases
$31Loan loss allowance
$0Trading account assets
$64Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$51,042Life insurance assets
$366All other assets
$46,071Total liabilities and capital
$45,880Total liabilities
$34,838Total deposits
$45,880Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$191Subordinated debt
$4,971All other liabilities
$4,971Total equity capital
$4,971Total bank equity capital
$0Perpetual preferred stock
$40Common stock
$2,960Surplus
$1,971Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6Income earned, not collected on loans
$0Earning assets
$277Long-term assets (5+ years)
$47,094Average Assets, year-to-date
$12,556Average Assets, quarterly
$49,689Volatile liabilities
$51,081Insider loans
$12,431FHLB advances
$51,650Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,655Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$110Restructured Loans and leases
$339Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,126Total interest income
$213Total interest expense
$913Net interest income
$0Provision for loan and lease losses
$24Total noninterest income
$0Fiduciary activities
$12Service charges on deposit accounts
$0Trading account gains & fees
$12Additional noninterest income
$612Total noninterest expense
$291Salaries and employee benefits
$45Premises and equipment expense
$276Additional noninterest expense
$325Pre-tax net operating income
$3Securities gains (losses)
$0Applicable income taxes
$328Income before extraordinary items
$0Extraordinary gains - net
$328Net income attributable to bank
$0Net charge-offs
$328Cash dividends
-$3Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
2.64%Yield on earning assets
0.50%Cost of funding earning assets
2.14%Net interest margin
0.06%Noninterest income to earning assets
1.43%Noninterest expense to earning assets
0.65%Net operating income to assets
0.66%Return on assets (ROA)
0.66%Pretax return on assets
6.33%Return on equity (ROE)
6.33%Retained earnings to average equity (YTD only)
-0.09%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
65,315Assets per employee
17.01%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.85%Loss allowance to noncurrent loans
516.67%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.16%Net loans and leases to deposits
7.86%Net loans and leases to core deposits
8.98%Equity capital to assets
9.74%Core capital (leverage) ratio
9.01%Tier 1 risk-based capital ratio
37.45%Total risk-based capital ratio
Memoranda
$38Average assets
$49,689Average earning assets
$5,183Average equity
$42,668Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
14890
Bank Of Oak Ridge
105 N. Oak, Oak Ridge, LA 71264
October 01, 1910
Full Service Brick and Mortar
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