Community Bank of Louisiana in Mansfield, Louisiana (LA)

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Community Bank of Louisiana
GeneralFDIC Certificate #: 13951
Status: Active
Federal Reserve ID: 974754
Bank Holding Company (Regulatory Top Holder): Mansfield Bancshares, Inc. (RSSDID: 1106365, Location: Mansfield, LA)
Date Established: October 01, 1901
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 #: 13021
FDIC's unique #: 8725
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: Yes
Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
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
LocationAddress: 118 Jefferson, Mansfield, LA 71052
County: De Soto
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
Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $374.7 mil
Equity capital: $32.4 mil
Deposits held in domestic offices: $342.2 mil
Return on assets (ROA): 2.20% ($8.3 mil)
Quarterly return on assets: 2.06% ($7.7 mil)
Return on Equity (ROE): 26.63% ($8.5 mil)
Quarterly return on equity: 22.91% ($7.3 mil)
Net income: $7.2 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 2.20% ($8,244.5 mil)
Quarterly Pretax return on assets: 2.06% ($7,719.8 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)
Total employees (full-time equivalent)81
Total assets$374,748
Cash and due from depository institutions$48,411
Interest-bearing balances$42,844
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$131,669
Loan loss allowance $906
Trading account assets$0
Bank premises and fixed assets$3,128
Other real estate owned$30
Goodwill and other intangibles$0
All other assets$5,160
Life insurance assets$374,748
Total liabilities and capital$342,354
Total liabilities$342,193
Total deposits$255,052
Interest-bearing deposits$342,193
Deposits held in domestic offices$67
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $161
All other liabilities $32,394
Total equity capital$32,394
Total bank equity capital$32,394
Perpetual preferred stock$0
Common stock$363
Undivided profits $19,244
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $96
Earning assets $0
Long-term assets (5+ years) $2,164
Average Assets, year-to-date $360,863
Average Assets, quarterly $169,354
Volatile liabilities $326,541
Insider loans $347,671
FHLB advances $151,978
Loans and leases held for sale $333,325
Unused loan commitments $1,822
Tier 1 (core) risk-based capital $1,301
Tier 2 risk-based capital $26,725
Total risk weighted assets $0
Total unused commitments $521
Restructured Loans and leases $13,291
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $13,016
Total interest expense $1,099
Net interest income $11,917
Provision for loan and lease losses $100
Total noninterest income $2,654
Fiduciary activities $0
Service charges on deposit accounts $1,816
Trading account gains & fees $0
Additional noninterest income $838
Total noninterest expense $7,696
Salaries and employee benefits $3,847
Premises and equipment expense $1,307
Additional noninterest expense $2,542
Pre-tax net operating income $6,775
Securities gains (losses) $393
Applicable income taxes $0
Income before extraordinary items $7,168
Extraordinary gains - net $0
Net income attributable to bank $7,168
Net charge-offs $0
Cash dividends $7,168
Sale, conversion, retirement of capital stock, net $167
Net operating income $3,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.21%
Cost of funding earning assets 0.36%
Net interest margin 3.86%
Noninterest income to earning assets 0.86%
Noninterest expense to earning assets 2.49%
Net operating income to assets 2.07%
Return on assets (ROA) 2.20%
Pretax return on assets 2.20%
Return on equity (ROE) 26.63%
Retained earnings to average equity (YTD only) 13.26%
Net charge-offs to loans 0.13%
Credit loss provision to net charge-offs 59.88%
Efficiency ratio41.17%
Assets per employee$52,817
Cash dividends to net income (YTD only)4.63%
Condition Ratios (%)
Loss allowance to loans 50.22%
Loss allowance to noncurrent loans 0.68%
Noncurrent assets plus other real estate owned to assets 943.75%
Noncurrent loans to loans 0.03%
Net loans and leases to deposits0.07%
Net loans and leases to core deposits 38.48%
Equity capital to assets 41.15%
Core capital (leverage) ratio 8.64%
Tier 1 risk-based capital ratio 8.02%
Total risk-based capital ratio 17.58%
Average assets$18
Average earning assets$326,541
Average equity $26,915
Average loans $308,840
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9 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08725Community Bank Of Louisiana118 Jefferson, Mansfield, LA 71052October 01, 1901Full Service Brick and Mortar
210770211 Main Street Branch211 Main Street, Logansport, LA 71049October 07, 1947Full Service Brick and Mortar
3238514North De Soto BranchHighway 5, Gloster, LA 71030June 11, 1979Full Service Brick and Mortar
4238515South Shreveport Branch114 East Bert Houns Industrial Loop, Shreveport, LA 71106May 28, 1996Full Service Brick and Mortar
5230680Walker Road Branch9201 Walker Road, Shreveport, LA 71118April 20, 1999Full Service Brick and Mortar
6363698Fairfield Branch3000 Fairfield Avenue, Shreveport, LA 71104May 06, 2002Full Service Brick and Mortar
7440728South Bossier BranchHighway 71 And Jimmie Davis Highway, Bossier City, LA 71112July 12, 2004Full Service Brick and Mortar
8480072Benton Road Office Branch4008 Benton Road, Bossier City, LA 71111March 10, 2008Full Service Brick and Mortar
9480073Travis Street Office Branch400 Travis Street, Shreveport, LA 71101March 13, 2008Full Service Brick and Mortar
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