FDIC Certificate #: 11254 Status: Active Federal Reserve ID: 243647 Bank Holding Company (Regulatory Top Holder): Delta Bancshares Of Louisiana, Inc. (RSSDID: 2806662, Location: Oak Grove, LA) Date Established: December 30, 1930 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 #: 7182 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: No Asset Concentration Hierarchy: Agricultural Specialization 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: 111 North Main Street, Eudora, AR 71640 County: Chicot Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock 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: $30.3 mil Equity capital: $3.0 mil Deposits held in domestic offices: $25.7 mil Return on assets (ROA): 0.22% ($0.1 mil) Quarterly return on assets: -0.41% (-$0.1 mil) Return on Equity (ROE): 2.44% ($0.1 mil) Quarterly return on equity: -3.99% (-$0.1 mil) Net income: $0.1 mil Quarterly Net income: -$0.0 mil Pretax return on assets: 0.42% ($127.5 mil) Quarterly Pretax return on assets: 0.19% ($57.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
8Total employees (full-time equivalent)
$30,348Total assets
$1,877Cash and due from depository institutions
$500Interest-bearing balances
$16,893Securities
$0Federal funds sold & reverse repurchase agreements
$11,065Net loans & leases
$238Loan loss allowance
$0Trading account assets
$124Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$30,348Life insurance assets
$389All other assets
$27,389Total liabilities and capital
$25,684Total liabilities
$20,646Total deposits
$25,684Interest-bearing deposits
$100Deposits held in domestic offices
1625.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$80Subordinated debt
$2,959All other liabilities
$2,959Total equity capital
$2,959Total bank equity capital
$0Perpetual preferred stock
$350Common stock
$1,400Surplus
$1,209Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$147Income earned, not collected on loans
$0Earning assets
$266Long-term assets (5+ years)
$28,458Average Assets, year-to-date
$14,062Average Assets, quarterly
$30,670Volatile liabilities
$29,477Insider loans
$16,091FHLB advances
$29,006Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,888Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,117Restructured Loans and leases
$1,136Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,248Total interest income
$242Total interest expense
$1,006Net interest income
$0Provision for loan and lease losses
$137Total noninterest income
$0Fiduciary activities
$84Service charges on deposit accounts
$0Trading account gains & fees
$53Additional noninterest income
$1,021Total noninterest expense
$439Salaries and employee benefits
$125Premises and equipment expense
$457Additional noninterest expense
$122Pre-tax net operating income
$7Securities gains (losses)
$60Applicable income taxes
$69Income before extraordinary items
$0Extraordinary gains - net
$69Net income attributable to bank
$0Net charge-offs
$69Cash dividends
-$1Sale, conversion, retirement of capital stock, net
$43Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.28%Yield on earning assets
0.83%Cost of funding earning assets
3.45%Net interest margin
0.47%Noninterest income to earning assets
3.50%Noninterest expense to earning assets
0.21%Net operating income to assets
0.22%Return on assets (ROA)
0.42%Pretax return on assets
2.44%Return on equity (ROE)
0.92%Retained earnings to average equity (YTD only)
-0.01%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
89,326Assets per employee
3.79%Cash dividends to net income (YTD only)
Condition Ratios (%)
62.32%Loss allowance to loans
2.11%Loss allowance to noncurrent loans
161.90%Noncurrent assets plus other real estate owned to assets
0.48%Noncurrent loans to loans
1.30%Net loans and leases to deposits
43.08%Net loans and leases to core deposits
43.66%Equity capital to assets
9.75%Core capital (leverage) ratio
9.96%Tier 1 risk-based capital ratio
17.95%Total risk-based capital ratio
Memoranda
$19Average assets
$30,670Average earning assets
$2,831Average equity
$29,150Average loans
List of branches
1 Arkansas Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
7182
The Eudora Bank
111 North Main Street, Eudora, AR 71640
December 30, 1930
Full Service Brick and Mortar
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