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

Bank of Zachary - Overview

  • General
  • FDIC Certificate #: 306
    Status: Active
    Federal Reserve ID: 860334
    Bank Holding Company (Regulatory Top Holder): Zachary Bancshares, Inc. (RSSDID: 1086056, Location: Zachary, LA)
    Date Established: January 01, 1904
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 13006
    FDIC's unique #: 245
    Numeric code: 21
    Regulator: FDIC
    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: No
    Asset Concentration Hierarchy: Mortgage Lending 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: 4743 Main Street, Zachary, LA 70791
    County: East Baton Rouge
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Baton Rouge
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760)
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $182.7 mil
    Equity capital: $17.9 mil
    Deposits held in domestic offices: $155.3 mil
    Return on assets (ROA): 1.03% ($1.9 mil)
    Quarterly return on assets: 0.93% ($1.7 mil)
    Return on Equity (ROE): 11.03% ($2.0 mil)
    Quarterly return on equity: 9.55% ($1.7 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.34% ($2,448.2 mil)
    Quarterly Pretax return on assets: 1.11% ($2,027.9 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
  • 47Total employees (full-time equivalent)
  • $182,698Total assets
  • $5,168Cash and due from depository institutions
  • $2,448Interest-bearing balances
  • $93,348Securities
  • $1,800Federal funds sold & reverse repurchase agreements
  • $76,553Net loans & leases
  • $1,361Loan loss allowance
  • $0Trading account assets
  • $3,082Bank premises and fixed assets
  • $194Other real estate owned
  • $0Goodwill and other intangibles
  • $182,698Life insurance assets
  • $2,553All other assets
  • $164,756Total liabilities and capital
  • $155,344Total liabilities
  • $117,425Total deposits
  • $155,344Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,135Trading liabilities
  • $0Other borrowed funds
  • $1,277Subordinated debt
  • $17,942All other liabilities
  • $17,942Total equity capital
  • $17,942Total bank equity capital
  • $0Perpetual preferred stock
  • $720Common stock
  • $3,280Surplus
  • $13,942Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,604Income earned, not collected on loans
  • $0Earning assets
  • $872Long-term assets (5+ years)
  • $174,149Average Assets, year-to-date
  • $54,488Average Assets, quarterly
  • $180,386Volatile liabilities
  • $183,485Insider loans
  • $84,513FHLB advances
  • $183,881Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $15,998Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,776Restructured Loans and leases
  • $2,046Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,942Total interest income
  • $1,068Total interest expense
  • $6,874Net interest income
  • $0Provision for loan and lease losses
  • $914Total noninterest income
  • $0Fiduciary activities
  • $555Service charges on deposit accounts
  • $0Trading account gains & fees
  • $359Additional noninterest income
  • $5,364Total noninterest expense
  • $2,986Salaries and employee benefits
  • $691Premises and equipment expense
  • $1,687Additional noninterest expense
  • $2,424Pre-tax net operating income
  • $0Securities gains (losses)
  • $560Applicable income taxes
  • $1,864Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,864Net income attributable to bank
  • $0Net charge-offs
  • $1,864Cash dividends
  • $198Sale, conversion, retirement of capital stock, net
  • $650Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.63%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.01%Net interest margin
  • 0.53%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.03%Net operating income to assets
  • 1.03%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 11.03%Return on equity (ROE)
  • 7.19%Retained earnings to average equity (YTD only)
  • 0.26%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 12.24%Efficiency ratio
  • 68,875Assets per employee
  • 3.89%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.87%Loss allowance to loans
  • 1.75%Loss allowance to noncurrent loans
  • 84.85%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 2.06%Net loans and leases to deposits
  • 49.28%Net loans and leases to core deposits
  • 53.88%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 8.70%Tier 1 risk-based capital ratio
  • 18.93%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $180,386Average earning assets
  • $16,892Average equity
  • $171,579Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0245Bank Of Zachary4743 Main Street, Zachary, LA 70791January 01, 1904Full Service Brick and Mortar
    1181481Central Branch13444 Hooper Road, East Baton Rouge Parish, LA 70811October 18, 1976Full Service Brick and Mortar
    2181482Plaza Branch2210 Highway 64, Zachary, LA 70791July 11, 1977Limited Service Facility

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