Capital Bank in Delhi, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 31, 1997

Capital Bank in Delhi, Louisiana (LA)
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Capital Bank - Overview

General
FDIC Certificate #: 14607
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Deposit Guaranty National Bank of Louisiana (#14189)
Federal Reserve ID: 118259
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
OTS Docket #: 10632
FDIC's unique #: 9130
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 1997
Last Structure Change Process Date: April 17, 1997
Last Data Update: April 17, 1997
Data Source Date: April 05, 2012
Location
Address: 100 Oak Street, Delhi, LA 71232
County: Richland
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
Financial Summary
Total assets: $182.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$81Total assets
$182,936Cash and due from depository institutions
$8,803Interest-bearing balances
$239Securities
$27,023Federal funds sold & reverse repurchase agreements
$22,245Net loans & leases
$115,862Loan loss allowance
$2,282Trading account assets
$0Bank premises and fixed assets
$4,154Other real estate owned
$7Goodwill and other intangibles
$4,842Life insurance assets
$0All other assets
$0Total liabilities and capital
$182,936Total liabilities
$172,307Total deposits
$162,286Interest-bearing deposits
$133,917Deposits held in domestic offices
162286.00%% insured (estimated)
$90Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$7,801Subordinated debt
$0All other liabilities
$2,220Total equity capital
$2,220Total bank equity capital
$10,629Perpetual preferred stock
$0Common stock
$375Surplus
$5,625Undivided profits
Memoranda
$4,629Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,596Income earned, not collected on loans
$2,725Earning assets
$165,369Long-term assets (5+ years)
$4,609Average Assets, year-to-date
$176,010Average Assets, quarterly
$184,284Volatile liabilities
$8,278Insider loans
$2,763FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$14,153Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$9,792Total risk weighted assets
$101,636Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$15,782Total interest expense
$6,612Net interest income
$9,170Provision for loan and lease losses
$1,453Total noninterest income
$1,575Fiduciary activities
$0Service charges on deposit accounts
$1,160Trading account gains & fees
$0Additional noninterest income
$415Total noninterest expense
$8,862Salaries and employee benefits
$4,361Premises and equipment expense
$1,259Additional noninterest expense
$3,242Pre-tax net operating income
$430Securities gains (losses)
$1Applicable income taxes
$146Income before extraordinary items
$285Extraordinary gains - net
$0Net income attributable to bank
$285Net charge-offs
$431Cash dividends
$420Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.88%Cost of funding earning assets
4.14%Net interest margin
5.74%Noninterest income to earning assets
0.99%Noninterest expense to earning assets
5.55%Net operating income to assets
0.16%Return on assets (ROA)
0.16%Pretax return on assets
0.24%Return on equity (ROE)
2.51%Retained earnings to average equity (YTD only)
-1.19%Net charge-offs to loans
0.35%Credit loss provision to net charge-offs
337.12%Efficiency ratio
82,476Assets per employee
2.26%Cash dividends to net income (YTD only)
Condition Ratios (%)
147.37%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
63.46%Noncurrent assets plus other real estate owned to assets
1.97%Noncurrent loans to loans
3.04%Net loans and leases to deposits
71.39%Net loans and leases to core deposits
75.23%Equity capital to assets
5.81%Core capital (leverage) ratio
5.17%Tier 1 risk-based capital ratio
9.63%Total risk-based capital ratio
Memoranda
$11Average assets
$176,010Average earning assets
$11,350Average equity
$159,817Average loans

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