Fifth District Savings Bank in New Orleans, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Fifth District Savings Bank in New Orleans, Louisiana (LA)
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Fifth District Savings Bank - Overview

  • General
  • FDIC Certificate #: 27697
    Status: Active
    Federal Reserve ID: 837970
    Date Established: January 01, 1926
    WWW: http://www.fifthdistrict.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 133
    FDIC's unique #: 40531
    Numeric code: 34
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: August 03, 1935
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4000 General Degaulle Dr, New Orleans, LA 70114
    County: Orleans
    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): New Orleans, LA (#5560)
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
    CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $371.3 mil
    Equity capital: $59.8 mil
    Deposits held in domestic offices: $308.3 mil
    Return on assets (ROA): 0.61% ($2.3 mil)
    Quarterly return on assets: 0.70% ($2.6 mil)
    Return on Equity (ROE): 3.87% ($2.3 mil)
    Quarterly return on equity: 4.41% ($2.6 mil)
    Net income: $2.3 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 0.93% ($3,452.8 mil)
    Quarterly Pretax return on assets: 1.08% ($4,009.7 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
  • 69Total employees (full-time equivalent)
  • $371,266Total assets
  • $34,202Cash and due from depository institutions
  • $29,467Interest-bearing balances
  • $81,291Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $242,401Net loans & leases
  • $1,772Loan loss allowance
  • $0Trading account assets
  • $6,046Bank premises and fixed assets
  • $178Other real estate owned
  • $0Goodwill and other intangibles
  • $371,266Life insurance assets
  • $6,148All other assets
  • $311,475Total liabilities and capital
  • $308,310Total liabilities
  • $306,233Total deposits
  • $308,310Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,165Subordinated debt
  • $59,791All other liabilities
  • $59,791Total equity capital
  • $59,791Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $59,791Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,635Income earned, not collected on loans
  • $0Earning assets
  • $1,787Long-term assets (5+ years)
  • $354,159Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $372,864Volatile liabilities
  • $373,211Insider loans
  • $154,672FHLB advances
  • $368,293Loans and leases held for sale
  • $2,208Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $57,846Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $26,155Restructured Loans and leases
  • $1,073Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $15,343Total interest income
  • $3,472Total interest expense
  • $11,871Net interest income
  • $105Provision for loan and lease losses
  • $658Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $658Additional noninterest income
  • $8,948Total noninterest expense
  • $5,204Salaries and employee benefits
  • $2,293Premises and equipment expense
  • $1,451Additional noninterest expense
  • $3,476Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,216Applicable income taxes
  • $2,260Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,260Net income attributable to bank
  • $0Net charge-offs
  • $2,260Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.31%Yield on earning assets
  • 0.98%Cost of funding earning assets
  • 3.34%Net interest margin
  • 0.19%Noninterest income to earning assets
  • 2.52%Noninterest expense to earning assets
  • 0.61%Net operating income to assets
  • 0.61%Return on assets (ROA)
  • 0.93%Pretax return on assets
  • 3.87%Return on equity (ROE)
  • 3.87%Retained earnings to average equity (YTD only)
  • 0.01%Net charge-offs to loans
  • 328.13%Credit loss provision to net charge-offs
  • 111.91%Efficiency ratio
  • 71,418Assets per employee
  • 5.38%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.73%Loss allowance to noncurrent loans
  • 108.38%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.67%Net loans and leases to deposits
  • 78.62%Net loans and leases to core deposits
  • 80.68%Equity capital to assets
  • 16.10%Core capital (leverage) ratio
  • 15.71%Tier 1 risk-based capital ratio
  • 37.40%Total risk-based capital ratio
  • Memoranda
  • $39Average assets
  • $372,864Average earning assets
  • $58,452Average equity
  • $355,660Average loans

List of branches

  • 6 Louisiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    040531Fifth District Savings Bank4000 General Degaulle Dr, New Orleans, LA 70114January 01, 1926Full Service Brick and Mortar
    12628804800 Tenth St Branch4800 Tenth Street, Marrero, LA 70072January 01, 1926Full Service Brick and Mortar
    1002628812701 Barataria Blvd Branch2476 Barataria Boulevard, Marrero, LA 70072January 01, 1926Full Service Brick and Mortar
    1012628821317 Westbank Expressway Branch1317 Westbank Expressway, Westwego, LA 70094January 01, 1926Full Service Brick and Mortar
    102262883Mandeville Branch4650 Highway 22, Mandeville, LA 70471July 22, 1996Full Service Brick and Mortar
    103491861Metairie Branch4526 West Esplanade Ave, Metairie, LA 70006November 01, 2007Full Service Brick and Mortar

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