Bank of Ruston in Ruston, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bank of Ruston in Ruston, Louisiana (LA)
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Bank of Ruston - Overview

  • General
  • FDIC Certificate #: 29700
    Status: Active
    Federal Reserve ID: 345877
    Date Established: January 01, 1905
    WWW: http://www.bankruston.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 3912
    FDIC's unique #: 42534
    Numeric code: 33
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 14, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 505 North Vienna Street, Ruston, LA 71270
    County: Lincoln
    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): Ruston, LA (#40820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $107.4 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $86.8 mil
    Return on assets (ROA): 0.73% ($0.8 mil)
    Quarterly return on assets: 0.57% ($0.6 mil)
    Return on Equity (ROE): 5.03% ($0.8 mil)
    Quarterly return on equity: 4.02% ($0.6 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.00% ($1,074.2 mil)
    Quarterly Pretax return on assets: 0.49% ($526.3 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
  • 36Total employees (full-time equivalent)
  • $107,418Total assets
  • $5,200Cash and due from depository institutions
  • $4,268Interest-bearing balances
  • $7,070Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $86,587Net loans & leases
  • $245Loan loss allowance
  • $0Trading account assets
  • $3,662Bank premises and fixed assets
  • $0Other real estate owned
  • $597Goodwill and other intangibles
  • $107,418Life insurance assets
  • $4,302All other assets
  • $92,094Total liabilities and capital
  • $86,773Total liabilities
  • $86,673Total deposits
  • $86,773Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 502.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $4,018Trading liabilities
  • $0Other borrowed funds
  • $801Subordinated debt
  • $15,324All other liabilities
  • $15,324Total equity capital
  • $15,324Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $6,029Surplus
  • $9,294Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $476Income earned, not collected on loans
  • $0Earning assets
  • $454Long-term assets (5+ years)
  • $97,925Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $102,168Volatile liabilities
  • $106,599Insider loans
  • $83,029FHLB advances
  • $107,328Loans and leases held for sale
  • $2,739Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,234Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $10,084Restructured Loans and leases
  • $1,743Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,151Total interest income
  • $823Total interest expense
  • $4,328Net interest income
  • $50Provision for loan and lease losses
  • $1,015Total noninterest income
  • $0Fiduciary activities
  • $212Service charges on deposit accounts
  • $0Trading account gains & fees
  • $803Additional noninterest income
  • $4,282Total noninterest expense
  • $2,789Salaries and employee benefits
  • $739Premises and equipment expense
  • $754Additional noninterest expense
  • $1,011Pre-tax net operating income
  • $6Securities gains (losses)
  • $271Applicable income taxes
  • $746Income before extraordinary items
  • $0Extraordinary gains - net
  • $746Net income attributable to bank
  • $0Net charge-offs
  • $746Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.52%Yield on earning assets
  • 0.88%Cost of funding earning assets
  • 4.64%Net interest margin
  • 1.09%Noninterest income to earning assets
  • 4.59%Noninterest expense to earning assets
  • 0.73%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 1.00%Pretax return on assets
  • 5.03%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -500.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,244Assets per employee
  • 2.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.28%Loss allowance to noncurrent loans
  • 51.47%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 99.79%Net loans and leases to core deposits
  • 102.93%Equity capital to assets
  • 14.27%Core capital (leverage) ratio
  • 14.19%Tier 1 risk-based capital ratio
  • 18.35%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $102,168Average earning assets
  • $14,843Average equity
  • $93,297Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    042534Bank Of Ruston505 North Vienna Street, Ruston, LA 71270January 01, 1905Full Service Brick and Mortar
    14955002109 Farmerville Highway Branch2109 Farmerville Highway, Ruston, LA 71270Febuary 16, 2009Full Service Brick and Mortar

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