Bayoulands Bank in Plattenville, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 04, 1995

Bayoulands Bank in Plattenville, Louisiana (LA)
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Bayoulands Bank - Overview

General
FDIC Certificate #: 23374
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Iberville Bank (#8807)
Federal Reserve ID: 297837
Date Established: April 13, 1981
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Interstate: No)
FDIC's unique #: 16389
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: April 13, 1981
Last Structure Change Effective Date: April 04, 1995
Last Structure Change Process Date: May 22, 1995
Last Data Update: May 22, 1995
Data Source Date: April 05, 2012
Location
Address: Louisiana Highway Spur 70, Plattenville, LA 70393
County: Assumption
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
Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
Core Based Statistical Area (CBSA): Pierre Part, LA (#38200)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $24.6 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$18Total assets
$24,509Cash and due from depository institutions
$1,354Interest-bearing balances
$118Securities
$4,493Federal funds sold & reverse repurchase agreements
$1,700Net loans & leases
$15,920Loan loss allowance
$164Trading account assets
$0Bank premises and fixed assets
$605Other real estate owned
$118Goodwill and other intangibles
$319Life insurance assets
$0All other assets
$0Total liabilities and capital
$24,509Total liabilities
$22,763Total deposits
$22,682Interest-bearing deposits
$20,487Deposits held in domestic offices
22682.00%% insured (estimated)
$97Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$81Total equity capital
$81Total bank equity capital
$1,746Perpetual preferred stock
$0Common stock
$750Surplus
$375Undivided profits
Memoranda
$621Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$113Income earned, not collected on loans
$102Earning assets
$22,231Long-term assets (5+ years)
$565Average Assets, year-to-date
$24,726Average Assets, quarterly
$24,214Volatile liabilities
$897Insider loans
$644FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,458Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$1,823Total risk weighted assets
$16,198Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$1,891Total interest expense
$656Net interest income
$1,235Provision for loan and lease losses
$57Total noninterest income
$273Fiduciary activities
$0Service charges on deposit accounts
$204Trading account gains & fees
$0Additional noninterest income
$69Total noninterest expense
$1,165Salaries and employee benefits
$536Premises and equipment expense
$196Additional noninterest expense
$433Pre-tax net operating income
$286Securities gains (losses)
$7Applicable income taxes
$103Income before extraordinary items
$190Extraordinary gains - net
$0Net income attributable to bank
$190Net charge-offs
$66Cash dividends
$45Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.56%Cost of funding earning assets
2.97%Net interest margin
5.59%Noninterest income to earning assets
1.24%Noninterest expense to earning assets
5.27%Net operating income to assets
0.75%Return on assets (ROA)
0.77%Pretax return on assets
1.19%Return on equity (ROE)
11.09%Retained earnings to average equity (YTD only)
8.46%Net charge-offs to loans
0.43%Credit loss provision to net charge-offs
86.36%Efficiency ratio
77,255Assets per employee
1.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
23.68%Loss allowance to loans
1.02%Loss allowance to noncurrent loans
145.13%Noncurrent assets plus other real estate owned to assets
0.94%Noncurrent loans to loans
0.70%Net loans and leases to deposits
70.19%Net loans and leases to core deposits
73.08%Equity capital to assets
7.12%Core capital (leverage) ratio
7.48%Tier 1 risk-based capital ratio
11.25%Total risk-based capital ratio
Memoranda
$12Average assets
$24,726Average earning assets
$1,713Average equity
$22,103Average loans

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