Community Bank in city_name, state_name - Detailed Financial Reports, Location

Community Bank in Raceland, Louisiana (LA)
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Community Bank - Overview

General
FDIC Certificate #: 19143
Status: Active
Federal Reserve ID: 90337
Bank Holding Company (Regulatory Top Holder): Community Bancorp Of Louisiana, Inc. (RSSDID: 1977154, Location: Raceland, LA)
Date Established: June 20, 1964
WWW: http://www.cbexpress.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Domestic: 9, Interstate: No)
OTS Docket #: 10326
FDIC's unique #: 12970
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: June 20, 1964
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: June 21, 2010
Last Data Update: June 21, 2010
Data Source Date: April 05, 2012
Location
Address: 4626 Highway #1, Raceland, LA 70394
County: Lafourche
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Houma, LA (#3350)
Core Based Statistical Area (CBSA): Houma-Bayou Cane-Thibodaux, LA (#26380)
CBSA Metro Statistical Area: Houma-Bayou Cane-Thibodaux, LA (#26380)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $396.1 mil
Equity capital: $43.8 mil
Deposits held in domestic offices: $347.8 mil
Return on assets (ROA): 0.54% ($2.1 mil)
Quarterly return on assets: 0.52% ($2.1 mil)
Return on Equity (ROE): 5.34% ($2.3 mil)
Quarterly return on equity: 4.89% ($2.2 mil)
Net income: $2.3 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.79% ($3,129.5 mil)
Quarterly Pretax return on assets: 0.76% ($3,010.7 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
108Total employees (full-time equivalent)
$396,143Total assets
$36,614Cash and due from depository institutions
$28,998Interest-bearing balances
$86,863Securities
$4,400Federal funds sold & reverse repurchase agreements
$234,616Net loans & leases
$2,731Loan loss allowance
$0Trading account assets
$15,500Bank premises and fixed assets
$2,249Other real estate owned
$0Goodwill and other intangibles
$396,143Life insurance assets
$15,901All other assets
$352,380Total liabilities and capital
$347,838Total liabilities
$290,306Total deposits
$347,838Interest-bearing deposits
$61Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$449Trading liabilities
$0Other borrowed funds
$4,093Subordinated debt
$43,763All other liabilities
$43,763Total equity capital
$43,763Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$13,650Surplus
$29,513Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$6,202Income earned, not collected on loans
$0Earning assets
$1,104Long-term assets (5+ years)
$354,877Average Assets, year-to-date
$60,200Average Assets, quarterly
$417,790Volatile liabilities
$410,492Insider loans
$252,607FHLB advances
$410,402Loans and leases held for sale
$8,829Unused loan commitments
$8,829Tier 1 (core) risk-based capital
$43,540Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$26,153Restructured Loans and leases
$5,837Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$17,765Total interest income
$4,273Total interest expense
$13,492Net interest income
$1,460Provision for loan and lease losses
$2,396Total noninterest income
$0Fiduciary activities
$1,366Service charges on deposit accounts
$0Trading account gains & fees
$1,030Additional noninterest income
$11,129Total noninterest expense
$5,520Salaries and employee benefits
$1,682Premises and equipment expense
$3,927Additional noninterest expense
$3,299Pre-tax net operating income
$0Securities gains (losses)
$1,032Applicable income taxes
$2,267Income before extraordinary items
$0Extraordinary gains - net
$2,267Net income attributable to bank
$0Net charge-offs
$2,267Cash dividends
$1,471Sale, conversion, retirement of capital stock, net
$105Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.73%Yield on earning assets
1.14%Cost of funding earning assets
3.59%Net interest margin
0.64%Noninterest income to earning assets
2.96%Noninterest expense to earning assets
0.54%Net operating income to assets
0.54%Return on assets (ROA)
0.79%Pretax return on assets
5.34%Return on equity (ROE)
5.09%Retained earnings to average equity (YTD only)
0.57%Net charge-offs to loans
99.25%Credit loss provision to net charge-offs
3.24%Efficiency ratio
70,047Assets per employee
3.67%Cash dividends to net income (YTD only)
Condition Ratios (%)
4.63%Loss allowance to loans
1.15%Loss allowance to noncurrent loans
44.03%Noncurrent assets plus other real estate owned to assets
2.13%Noncurrent loans to loans
2.61%Net loans and leases to deposits
67.45%Net loans and leases to core deposits
69.11%Equity capital to assets
11.05%Core capital (leverage) ratio
10.61%Tier 1 risk-based capital ratio
17.24%Total risk-based capital ratio
Memoranda
$18Average assets
$417,790Average earning assets
$42,490Average equity
$375,365Average loans

List of branches

9 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	12970	Community Bank	4626 Highway #1, Raceland, LA 70394	June 20, 1964	Full Service Brick and Mortar
1	247410	Thibodaux Branch	Canal Boulevard And State Highway 308, Thibodaux, LA 70301	October 11, 1969	Full Service Brick and Mortar
3	247412	Larose Branch	Louisiana Highway 1 And West 26th Street, Larose, LA 70373	April 06, 1982	Full Service Brick and Mortar
4	247413	Lockport Branch	Highway 1 And Ethyl Street, Lockport, LA 70374	November 28, 1988	Full Service Brick and Mortar
6	247415	Golden Meadow Branch	605 North Alex Plaisance Boulevard, Golden Meadow, LA 70357	March 25, 1997	Full Service Brick and Mortar
7	247416	Napoleonville Branch	205 Washington Street, Napoleonville, LA 70390	March 02, 1998	Full Service Brick and Mortar
8	247417	Thibodaux City Branch	801 St. Mary Street, Thibodaux, LA 70301	April 16, 1998	Full Service Brick and Mortar
9	359516	Laplace Branch	590 Belle Terre Blvd., La Place, LA 70068	March 05, 2001	Full Service Brick and Mortar
10	466780	Houma Branch	1227 St. Charles Street, Houma, LA 70360	July 30, 2007	Full Service Brick and Mortar

Community Bank in Raceland, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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Community Bank in Raceland, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

Community Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Community Bank in Raceland, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches