Community Bank in Raceland, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Community Bank - Overview

  • General
  • FDIC Certificate #: 19143
    Status: Active
    Federal Reserve ID: 90337
    Bank Holding Company (Regulatory Top Holder): Community Bancorp Of Louisiana, Inc. (RSSDID: 1977154, Location: Raceland, LA)
    Date Established: June 20, 1964
    WWW: http://www.cbexpress.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Domestic: 9, Interstate: No)
    OTS Docket #: 10326
    FDIC's unique #: 12970
    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: Commercial Lending Specialization
    Date of Deposit Insurance: June 20, 1964
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: June 21, 2010
    Last Data Update: June 21, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 4626 Highway #1, Raceland, LA 70394
    County: Lafourche
    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): Houma, LA (#3350)
    Core Based Statistical Area (CBSA): Houma-Bayou Cane-Thibodaux, LA (#26380)
    CBSA Metro Statistical Area: Houma-Bayou Cane-Thibodaux, LA (#26380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $396.1 mil
    Equity capital: $43.8 mil
    Deposits held in domestic offices: $347.8 mil
    Return on assets (ROA): 0.54% ($2.1 mil)
    Quarterly return on assets: 0.52% ($2.1 mil)
    Return on Equity (ROE): 5.34% ($2.3 mil)
    Quarterly return on equity: 4.89% ($2.2 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 0.79% ($3,129.5 mil)
    Quarterly Pretax return on assets: 0.76% ($3,010.7 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
  • 108Total employees (full-time equivalent)
  • $396,143Total assets
  • $36,614Cash and due from depository institutions
  • $28,998Interest-bearing balances
  • $86,863Securities
  • $4,400Federal funds sold & reverse repurchase agreements
  • $234,616Net loans & leases
  • $2,731Loan loss allowance
  • $0Trading account assets
  • $15,500Bank premises and fixed assets
  • $2,249Other real estate owned
  • $0Goodwill and other intangibles
  • $396,143Life insurance assets
  • $15,901All other assets
  • $352,380Total liabilities and capital
  • $347,838Total liabilities
  • $290,306Total deposits
  • $347,838Interest-bearing deposits
  • $61Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $449Trading liabilities
  • $0Other borrowed funds
  • $4,093Subordinated debt
  • $43,763All other liabilities
  • $43,763Total equity capital
  • $43,763Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $13,650Surplus
  • $29,513Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,202Income earned, not collected on loans
  • $0Earning assets
  • $1,104Long-term assets (5+ years)
  • $354,877Average Assets, year-to-date
  • $60,200Average Assets, quarterly
  • $417,790Volatile liabilities
  • $410,492Insider loans
  • $252,607FHLB advances
  • $410,402Loans and leases held for sale
  • $8,829Unused loan commitments
  • $8,829Tier 1 (core) risk-based capital
  • $43,540Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,153Restructured Loans and leases
  • $5,837Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,765Total interest income
  • $4,273Total interest expense
  • $13,492Net interest income
  • $1,460Provision for loan and lease losses
  • $2,396Total noninterest income
  • $0Fiduciary activities
  • $1,366Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,030Additional noninterest income
  • $11,129Total noninterest expense
  • $5,520Salaries and employee benefits
  • $1,682Premises and equipment expense
  • $3,927Additional noninterest expense
  • $3,299Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,032Applicable income taxes
  • $2,267Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,267Net income attributable to bank
  • $0Net charge-offs
  • $2,267Cash dividends
  • $1,471Sale, conversion, retirement of capital stock, net
  • $105Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.73%Yield on earning assets
  • 1.14%Cost of funding earning assets
  • 3.59%Net interest margin
  • 0.64%Noninterest income to earning assets
  • 2.96%Noninterest expense to earning assets
  • 0.54%Net operating income to assets
  • 0.54%Return on assets (ROA)
  • 0.79%Pretax return on assets
  • 5.34%Return on equity (ROE)
  • 5.09%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 99.25%Credit loss provision to net charge-offs
  • 3.24%Efficiency ratio
  • 70,047Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 4.63%Loss allowance to loans
  • 1.15%Loss allowance to noncurrent loans
  • 44.03%Noncurrent assets plus other real estate owned to assets
  • 2.13%Noncurrent loans to loans
  • 2.61%Net loans and leases to deposits
  • 67.45%Net loans and leases to core deposits
  • 69.11%Equity capital to assets
  • 11.05%Core capital (leverage) ratio
  • 10.61%Tier 1 risk-based capital ratio
  • 17.24%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $417,790Average earning assets
  • $42,490Average equity
  • $375,365Average loans

List of branches

  • 9 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    012970Community Bank4626 Highway #1, Raceland, LA 70394June 20, 1964Full Service Brick and Mortar
    1247410Thibodaux BranchCanal Boulevard And State Highway 308, Thibodaux, LA 70301October 11, 1969Full Service Brick and Mortar
    3247412Larose BranchLouisiana Highway 1 And West 26th Street, Larose, LA 70373April 06, 1982Full Service Brick and Mortar
    4247413Lockport BranchHighway 1 And Ethyl Street, Lockport, LA 70374November 28, 1988Full Service Brick and Mortar
    6247415Golden Meadow Branch605 North Alex Plaisance Boulevard, Golden Meadow, LA 70357March 25, 1997Full Service Brick and Mortar
    7247416Napoleonville Branch205 Washington Street, Napoleonville, LA 70390March 02, 1998Full Service Brick and Mortar
    8247417Thibodaux City Branch801 St. Mary Street, Thibodaux, LA 70301April 16, 1998Full Service Brick and Mortar
    9359516Laplace Branch590 Belle Terre Blvd., La Place, LA 70068March 05, 2001Full Service Brick and Mortar
    10466780Houma Branch1227 St. Charles Street, Houma, LA 70360July 30, 2007Full Service Brick and Mortar

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