Delta Bank in Vidalia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Delta Bank - Overview

  • General
  • FDIC Certificate #: 26564
    Status: Active
    Federal Reserve ID: 975256
    Bank Holding Company (Regulatory Top Holder): Central Louisiana Capital Corporation (RSSDID: 1109571, Location: Vidalia, LA)
    Date Established: January 10, 1986
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Domestic: 4, Interstate: No)
    OTS Docket #: 10035
    FDIC's unique #: 35263
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Agricultural lending institution: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Agricultural Specialization
    Date of Deposit Insurance: January 10, 1986
    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: 1617 Carter Street, Vidalia, LA 71373
    County: Concordia
    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): Natchez, MS-LA (#35020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $222.0 mil
    Equity capital: $19.1 mil
    Deposits held in domestic offices: $190.6 mil
    Return on assets (ROA): 1.64% ($3.6 mil)
    Quarterly return on assets: 1.11% ($2.5 mil)
    Return on Equity (ROE): 19.63% ($3.7 mil)
    Quarterly return on equity: 12.49% ($2.4 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.64% ($3,641.6 mil)
    Quarterly Pretax return on assets: 1.11% ($2,464.7 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
  • 63Total employees (full-time equivalent)
  • $222,048Total assets
  • $42,243Cash and due from depository institutions
  • $37,050Interest-bearing balances
  • $44,135Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $128,384Net loans & leases
  • $1,427Loan loss allowance
  • $0Trading account assets
  • $3,818Bank premises and fixed assets
  • $263Other real estate owned
  • $0Goodwill and other intangibles
  • $222,048Life insurance assets
  • $3,205All other assets
  • $202,990Total liabilities and capital
  • $190,618Total liabilities
  • $148,976Total deposits
  • $190,618Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,464Trading liabilities
  • $0Other borrowed funds
  • $908Subordinated debt
  • $19,058All other liabilities
  • $19,058Total equity capital
  • $19,058Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $5,800Surplus
  • $13,058Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $696Income earned, not collected on loans
  • $19Earning assets
  • $1,604Long-term assets (5+ years)
  • $209,569Average Assets, year-to-date
  • $47,078Average Assets, quarterly
  • $213,228Volatile liabilities
  • $213,528Insider loans
  • $130,473FHLB advances
  • $215,580Loans and leases held for sale
  • $306Unused loan commitments
  • $306Tier 1 (core) risk-based capital
  • $16,789Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,594Restructured Loans and leases
  • $13,315Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,436Total interest income
  • $1,976Total interest expense
  • $8,460Net interest income
  • $100Provision for loan and lease losses
  • $1,611Total noninterest income
  • $0Fiduciary activities
  • $1,046Service charges on deposit accounts
  • $0Trading account gains & fees
  • $565Additional noninterest income
  • $6,612Total noninterest expense
  • $3,972Salaries and employee benefits
  • $811Premises and equipment expense
  • $1,829Additional noninterest expense
  • $3,359Pre-tax net operating income
  • $140Securities gains (losses)
  • $0Applicable income taxes
  • $3,499Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,499Net income attributable to bank
  • $0Net charge-offs
  • $3,499Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $2,505Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.18%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 4.20%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 1.58%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 19.63%Return on equity (ROE)
  • 5.58%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 322.58%Credit loss provision to net charge-offs
  • 111.58%Efficiency ratio
  • 65,654Assets per employee
  • 3.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 71.59%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 205.03%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 67.35%Net loans and leases to core deposits
  • 75.20%Equity capital to assets
  • 8.58%Core capital (leverage) ratio
  • 7.79%Tier 1 risk-based capital ratio
  • 12.87%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $213,228Average earning assets
  • $17,824Average equity
  • $201,316Average loans

List of branches

  • 4 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    035263Delta Bank1617 Carter Street, Vidalia, LA 71373January 10, 1986Full Service Brick and Mortar
    314684Louisiana Central Bank Branch302 Louisiana Avenue, Ferriday, LA 71334October 01, 1973Full Service Brick and Mortar
    5363042Lake Providence Branch406 Lake Street, Lake Providence, LA 71254January 01, 2002Full Service Brick and Mortar
    6440733South Cedar Branch401 South Cedar, Tallulah, LA 71282April 25, 2005Full Service Brick and Mortar

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