Delta Bank in Vidalia, Louisiana (LA)



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Delta Bank
GeneralFDIC 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
WWW: http://www.deltabk.com
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
LocationAddress: 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 ChangesCorrections
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)63
Total assets$222,048
Cash and due from depository institutions$42,243
Interest-bearing balances$37,050
Securities$44,135
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$128,384
Loan loss allowance $1,427
Trading account assets$0
Bank premises and fixed assets$3,818
Other real estate owned$263
Goodwill and other intangibles$0
All other assets$3,205
Life insurance assets$222,048
Total liabilities and capital$202,990
Total liabilities$190,618
Total deposits$148,976
Interest-bearing deposits$190,618
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$11,464
Other borrowed funds $0
Subordinated debt $908
All other liabilities $19,058
Total equity capital$19,058
Total bank equity capital$19,058
Perpetual preferred stock$0
Common stock$200
Surplus$5,800
Undivided profits $13,058
Memoranda
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 $696
Earning assets $19
Long-term assets (5+ years) $1,604
Average Assets, year-to-date $209,569
Average Assets, quarterly $47,078
Volatile liabilities $213,228
Insider loans $213,528
FHLB advances $130,473
Loans and leases held for sale $215,580
Unused loan commitments $306
Tier 1 (core) risk-based capital $306
Tier 2 risk-based capital $16,789
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $26,594
Derivatives$13,315
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,436
Total interest expense $1,976
Net interest income $8,460
Provision for loan and lease losses $100
Total noninterest income $1,611
Fiduciary activities $0
Service charges on deposit accounts $1,046
Trading account gains & fees $0
Additional noninterest income $565
Total noninterest expense $6,612
Salaries and employee benefits $3,972
Premises and equipment expense $811
Additional noninterest expense $1,829
Pre-tax net operating income $3,359
Securities gains (losses) $140
Applicable income taxes $0
Income before extraordinary items $3,499
Extraordinary gains - net $0
Net income attributable to bank $3,499
Net charge-offs $0
Cash dividends $3,499
Sale, conversion, retirement of capital stock, net $31
Net operating income $2,505
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.18%
Cost of funding earning assets 0.98%
Net interest margin 4.20%
Noninterest income to earning assets 0.80%
Noninterest expense to earning assets 3.28%
Net operating income to assets 1.58%
Return on assets (ROA) 1.64%
Pretax return on assets 1.64%
Return on equity (ROE) 19.63%
Retained earnings to average equity (YTD only) 5.58%
Net charge-offs to loans 0.02%
Credit loss provision to net charge-offs 322.58%
Efficiency ratio111.58%
Assets per employee$65,654
Cash dividends to net income (YTD only)3.52%
Condition Ratios (%)
Loss allowance to loans 71.59%
Loss allowance to noncurrent loans 1.10%
Noncurrent assets plus other real estate owned to assets 205.03%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.54%
Net loans and leases to core deposits 67.35%
Equity capital to assets 75.20%
Core capital (leverage) ratio 8.58%
Tier 1 risk-based capital ratio 7.79%
Total risk-based capital ratio 12.87%
Memoranda
Average assets$14
Average earning assets$213,228
Average equity $17,824
Average loans $201,316
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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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