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

Delta Bank in Vidalia, Louisiana (LA)
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Delta Bank routing number info

Delta Bank - Overview

General
FDIC Certificate #: 26564
Status: Active
Federal Reserve ID: 975256
Bank Holding Company (Regulatory Top Holder): Central Louisiana Capital Corporation (RSSDID: 1109571, Location: Vidalia, LA)
Date Established: January 10, 1986
WWW: http://www.deltabk.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 10035
FDIC's unique #: 35263
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 10, 1986
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: 1617 Carter Street, Vidalia, LA 71373
County: Concordia
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
Core Based Statistical Area (CBSA): Natchez, MS-LA (#35020)
CBSA Micro Statistical Area: Yes
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $222.0 mil
Equity capital: $19.1 mil
Deposits held in domestic offices: $190.6 mil
Return on assets (ROA): 1.64% ($3.6 mil)
Quarterly return on assets: 1.11% ($2.5 mil)
Return on Equity (ROE): 19.63% ($3.7 mil)
Quarterly return on equity: 12.49% ($2.4 mil)
Net income: $3.5 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.64% ($3,641.6 mil)
Quarterly Pretax return on assets: 1.11% ($2,464.7 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
63Total employees (full-time equivalent)
$222,048Total assets
$42,243Cash and due from depository institutions
$37,050Interest-bearing balances
$44,135Securities
$0Federal funds sold & reverse repurchase agreements
$128,384Net loans & leases
$1,427Loan loss allowance
$0Trading account assets
$3,818Bank premises and fixed assets
$263Other real estate owned
$0Goodwill and other intangibles
$222,048Life insurance assets
$3,205All other assets
$202,990Total liabilities and capital
$190,618Total liabilities
$148,976Total deposits
$190,618Interest-bearing deposits
$89Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$11,464Trading liabilities
$0Other borrowed funds
$908Subordinated debt
$19,058All other liabilities
$19,058Total equity capital
$19,058Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$5,800Surplus
$13,058Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$696Income earned, not collected on loans
$19Earning assets
$1,604Long-term assets (5+ years)
$209,569Average Assets, year-to-date
$47,078Average Assets, quarterly
$213,228Volatile liabilities
$213,528Insider loans
$130,473FHLB advances
$215,580Loans and leases held for sale
$306Unused loan commitments
$306Tier 1 (core) risk-based capital
$16,789Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$26,594Restructured Loans and leases
$13,315Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,436Total interest income
$1,976Total interest expense
$8,460Net interest income
$100Provision for loan and lease losses
$1,611Total noninterest income
$0Fiduciary activities
$1,046Service charges on deposit accounts
$0Trading account gains & fees
$565Additional noninterest income
$6,612Total noninterest expense
$3,972Salaries and employee benefits
$811Premises and equipment expense
$1,829Additional noninterest expense
$3,359Pre-tax net operating income
$140Securities gains (losses)
$0Applicable income taxes
$3,499Income before extraordinary items
$0Extraordinary gains - net
$3,499Net income attributable to bank
$0Net charge-offs
$3,499Cash dividends
$31Sale, conversion, retirement of capital stock, net
$2,505Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.18%Yield on earning assets
0.98%Cost of funding earning assets
4.20%Net interest margin
0.80%Noninterest income to earning assets
3.28%Noninterest expense to earning assets
1.58%Net operating income to assets
1.64%Return on assets (ROA)
1.64%Pretax return on assets
19.63%Return on equity (ROE)
5.58%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
322.58%Credit loss provision to net charge-offs
111.58%Efficiency ratio
65,654Assets per employee
3.52%Cash dividends to net income (YTD only)
Condition Ratios (%)
71.59%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
205.03%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.54%Net loans and leases to deposits
67.35%Net loans and leases to core deposits
75.20%Equity capital to assets
8.58%Core capital (leverage) ratio
7.79%Tier 1 risk-based capital ratio
12.87%Total risk-based capital ratio
Memoranda
$14Average assets
$213,228Average earning assets
$17,824Average equity
$201,316Average loans

List of branches

4 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	35263	Delta Bank	1617 Carter Street, Vidalia, LA 71373	January 10, 1986	Full Service Brick and Mortar
3	14684	Louisiana Central Bank Branch	302 Louisiana Avenue, Ferriday, LA 71334	October 01, 1973	Full Service Brick and Mortar
5	363042	Lake Providence Branch	406 Lake Street, Lake Providence, LA 71254	January 01, 2002	Full Service Brick and Mortar
6	440733	South Cedar Branch	401 South Cedar, Tallulah, LA 71282	April 25, 2005	Full Service Brick and Mortar

Delta Bank in Vidalia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Delta 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:

Delta Bank in Vidalia, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

Delta 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:

Delta Bank in Vidalia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches