Bank of Louisiana in Louisiana, Missouri (MO)
Overview, Financial Summary, Detailed Financial Reports, Branches

Bank of Louisiana - Overview

  • General
  • FDIC Certificate #: 8885
    Status: Active
    Federal Reserve ID: 663450
    Bank Holding Company (Regulatory Top Holder): Lincoln County Bancorp, Inc. (RSSDID: 1097173, Location: Troy, MO)
    Date Established: January 17, 1887
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5676
    Numeric code: 13
    Regulator: FED
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 14, 2007
    Last Structure Change Process Date: March 15, 2007
    Last Data Update: March 15, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 101 South Third Street, Louisiana, MO 63353
    County: Pike
    Quarterly Banking Profile Region: Kansas City
    FDIC Geographic Region: Kansas City
    FDIC Supervisory Region: Kansas City
    FDIC Field Office: St. Louis
    Office of the Comptroller the Currency (OCC) District: Midwest
    Office of Thrift Supervision Region: West
  • Financial Summary
  • Total assets: $52.5 mil
    Equity capital: $5.5 mil
    Deposits held in domestic offices: $44.9 mil
    Return on assets (ROA): 0.23% ($0.1 mil)
    Quarterly return on assets: -1.06% (-$0.6 mil)
    Return on Equity (ROE): 2.27% ($0.1 mil)
    Quarterly return on equity: -10.24% (-$0.5 mil)
    Net income: $0.1 mil
    Quarterly Net income: -$0.1 mil
    Pretax return on assets: 0.23% ($120.8 mil)
    Quarterly Pretax return on assets: -1.06% (-$556.6 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
  • 16Total employees (full-time equivalent)
  • $52,511Total assets
  • $2,688Cash and due from depository institutions
  • $29Interest-bearing balances
  • $16,588Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $30,710Net loans & leases
  • $762Loan loss allowance
  • $0Trading account assets
  • $305Bank premises and fixed assets
  • $1,211Other real estate owned
  • $0Goodwill and other intangibles
  • $52,511Life insurance assets
  • $1,009All other assets
  • $47,045Total liabilities and capital
  • $44,877Total liabilities
  • $39,353Total deposits
  • $44,877Interest-bearing deposits
  • $92Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,100Trading liabilities
  • $0Other borrowed funds
  • $68Subordinated debt
  • $5,466All other liabilities
  • $5,466Total equity capital
  • $5,466Total bank equity capital
  • $0Perpetual preferred stock
  • $171Common stock
  • $2,884Surplus
  • $2,411Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,240Income earned, not collected on loans
  • $0Earning assets
  • $256Long-term assets (5+ years)
  • $47,327Average Assets, year-to-date
  • $12,501Average Assets, quarterly
  • $54,432Volatile liabilities
  • $53,620Insider loans
  • $34,358FHLB advances
  • $54,023Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,256Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,805Restructured Loans and leases
  • $924Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $2,329Total interest income
  • $594Total interest expense
  • $1,735Net interest income
  • $422Provision for loan and lease losses
  • $270Total noninterest income
  • $0Fiduciary activities
  • $223Service charges on deposit accounts
  • $0Trading account gains & fees
  • $47Additional noninterest income
  • $1,598Total noninterest expense
  • $679Salaries and employee benefits
  • $221Premises and equipment expense
  • $698Additional noninterest expense
  • -$15Pre-tax net operating income
  • $139Securities gains (losses)
  • $0Applicable income taxes
  • $124Income before extraordinary items
  • $0Extraordinary gains - net
  • $124Net income attributable to bank
  • $0Net charge-offs
  • $124Cash dividends
  • $502Sale, conversion, retirement of capital stock, net
  • $40Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.70%Yield on earning assets
  • 1.20%Cost of funding earning assets
  • 3.50%Net interest margin
  • 0.54%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • -0.03%Net operating income to assets
  • 0.23%Return on assets (ROA)
  • 0.23%Pretax return on assets
  • 2.27%Return on equity (ROE)
  • 1.54%Retained earnings to average equity (YTD only)
  • 1.53%Net charge-offs to loans
  • 84.06%Credit loss provision to net charge-offs
  • 0.81%Efficiency ratio
  • 79,701Assets per employee
  • 3.28%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 32.26%Loss allowance to loans
  • 2.42%Loss allowance to noncurrent loans
  • 61.45%Noncurrent assets plus other real estate owned to assets
  • 4.67%Noncurrent loans to loans
  • 3.94%Net loans and leases to deposits
  • 68.43%Net loans and leases to core deposits
  • 75.53%Equity capital to assets
  • 10.41%Core capital (leverage) ratio
  • 9.73%Tier 1 risk-based capital ratio
  • 15.30%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $54,432Average earning assets
  • $5,461Average equity
  • $49,563Average loans

List of branches

  • 2 Missouri Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05676Bank Of Louisiana101 South Third Street, Louisiana, MO 63353January 17, 1887Full Service Brick and Mortar
    2219125Georgia Street Facility3308 West Georgia Street, Louisiana, MO 63353January 23, 1989Full Service Brick and Mortar

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