FDIC Certificate #: 35019 Status: Active Federal Reserve ID: 2807173 Bank Holding Company (Regulatory Top Holder): Delta Bancshares Of Louisiana, Inc. (RSSDID: 2806662, Location: Oak Grove, LA) Date Established: August 02, 1999 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 #: 73843 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: August 02, 1999 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: 600 East Main Street, Oak Grove, LA 71263 County: West Carroll 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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $19.0 mil Equity capital: $2.4 mil Deposits held in domestic offices: $16.5 mil Return on assets (ROA): 0.13% ($0.0 mil) Quarterly return on assets: 0.09% ($0.0 mil) Return on Equity (ROE): 1.03% ($0.0 mil) Quarterly return on equity: 0.67% ($0.0 mil) Net income: $0.0 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.20% ($37.9 mil) Quarterly Pretax return on assets: 0.26% ($49.3 mil)
2000 - 2011 Historical total assets, liabilities and capital ($ 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
7Total employees (full-time equivalent)
$18,960Total assets
$2,749Cash and due from depository institutions
$1,645Interest-bearing balances
$6,288Securities
$1,700Federal funds sold & reverse repurchase agreements
$7,351Net loans & leases
$141Loan loss allowance
$0Trading account assets
$662Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$18,960Life insurance assets
$210All other assets
$16,589Total liabilities and capital
$16,535Total liabilities
$13,342Total deposits
$16,535Interest-bearing deposits
$79Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$54Subordinated debt
$2,371All other liabilities
$2,371Total equity capital
$2,371Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$2,135Surplus
$-264Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$0Earning assets
$95Long-term assets (5+ years)
$16,984Average Assets, year-to-date
$4,860Average Assets, quarterly
$18,407Volatile liabilities
$18,126Insider loans
$11,426FHLB advances
$17,082Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$2,292Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$300Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$709Total interest income
$87Total interest expense
$622Net interest income
$0Provision for loan and lease losses
$152Total noninterest income
$0Fiduciary activities
$122Service charges on deposit accounts
$0Trading account gains & fees
$30Additional noninterest income
$740Total noninterest expense
$346Salaries and employee benefits
$82Premises and equipment expense
$312Additional noninterest expense
$34Pre-tax net operating income
$3Securities gains (losses)
$13Applicable income taxes
$24Income before extraordinary items
$0Extraordinary gains - net
$24Net income attributable to bank
$0Net charge-offs
$24Cash dividends
-$10Sale, conversion, retirement of capital stock, net
$20Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.26%Yield on earning assets
0.52%Cost of funding earning assets
3.74%Net interest margin
0.91%Noninterest income to earning assets
4.45%Noninterest expense to earning assets
0.12%Net operating income to assets
0.13%Return on assets (ROA)
0.20%Pretax return on assets
1.03%Return on equity (ROE)
0.17%Retained earnings to average equity (YTD only)
-0.15%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
95,607Assets per employee
2.71%Cash dividends to net income (YTD only)
Condition Ratios (%)
83.33%Loss allowance to loans
1.88%Loss allowance to noncurrent loans
0.00%Noncurrent assets plus other real estate owned to assets
0.00%Noncurrent loans to loans
0.00%Net loans and leases to deposits
44.46%Net loans and leases to core deposits
49.93%Equity capital to assets
12.51%Core capital (leverage) ratio
13.42%Tier 1 risk-based capital ratio
20.06%Total risk-based capital ratio
Memoranda
$21Average assets
$18,407Average earning assets
$2,320Average equity
$16,630Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
73843
West Carroll Community Bank
600 East Main Street, Oak Grove, LA 71263
August 02, 1999
Full Service Brick and Mortar
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