First Federal Bank of Louisiana in Lake Charles, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • First Federal Bank of Louisiana in Lake Charles, Louisiana (LA)
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First Federal Bank of Louisiana - Overview

  • General
  • FDIC Certificate #: 30441
    Status: Active
    Federal Reserve ID: 517674
    Date Established: October 31, 1949
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 15 (Domestic: 15, Interstate: No)
    OTS Docket #: 5339
    FDIC's unique #: 43275
    Numeric code: 38
    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: October 31, 1949
    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: 1135 Lake Shore Drive, Lake Charles, LA 70601
    County: Calcasieu
    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
    Metropolitan Statistical Area (MSA): Lake Charles, LA (#3960)
    Combined Statistical Area (CSA): Lake Charles-Jennings, LA (#324)
    Core Based Statistical Area (CBSA): Lake Charles, LA (#29340)
    CBSA Metro Statistical Area: Lake Charles, LA (#29340)
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $749.5 mil
    Equity capital: $96.5 mil
    Deposits held in domestic offices: $588.2 mil
    Return on assets (ROA): 0.50% ($3.7 mil)
    Quarterly return on assets: 0.58% ($4.3 mil)
    Return on Equity (ROE): 3.93% ($3.8 mil)
    Quarterly return on equity: 4.47% ($4.3 mil)
    Net income: $3.7 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 0.73% ($5,471.1 mil)
    Quarterly Pretax return on assets: 0.81% ($6,070.6 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
  • 249Total employees (full-time equivalent)
  • $749,459Total assets
  • $37,787Cash and due from depository institutions
  • $23,053Interest-bearing balances
  • $291,721Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $368,846Net loans & leases
  • $1,571Loan loss allowance
  • $0Trading account assets
  • $25,832Bank premises and fixed assets
  • $559Other real estate owned
  • $2,860Goodwill and other intangibles
  • $749,459Life insurance assets
  • $21,854All other assets
  • $652,965Total liabilities and capital
  • $588,221Total liabilities
  • $561,378Total deposits
  • $588,221Interest-bearing deposits
  • $100Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $55,849Trading liabilities
  • $0Other borrowed funds
  • $8,895Subordinated debt
  • $96,494All other liabilities
  • $96,494Total equity capital
  • $96,494Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $96,494Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $8,564Income earned, not collected on loans
  • $206Earning assets
  • $2,410Long-term assets (5+ years)
  • $683,620Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $736,223Volatile liabilities
  • $749,707Insider loans
  • $317,717FHLB advances
  • $741,327Loans and leases held for sale
  • $14,101Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $90,606Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $43,877Restructured Loans and leases
  • $2,580Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $28,045Total interest income
  • $6,933Total interest expense
  • $21,112Net interest income
  • $313Provision for loan and lease losses
  • $5,782Total noninterest income
  • $0Fiduciary activities
  • $1,365Service charges on deposit accounts
  • $0Trading account gains & fees
  • $4,417Additional noninterest income
  • $22,398Total noninterest expense
  • $13,793Salaries and employee benefits
  • $3,944Premises and equipment expense
  • $4,661Additional noninterest expense
  • $4,183Pre-tax net operating income
  • $1,180Securities gains (losses)
  • $1,649Applicable income taxes
  • $3,714Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,714Net income attributable to bank
  • $0Net charge-offs
  • $3,714Cash dividends
  • $254Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.18%Yield on earning assets
  • 1.03%Cost of funding earning assets
  • 3.15%Net interest margin
  • 0.86%Noninterest income to earning assets
  • 3.34%Noninterest expense to earning assets
  • 0.39%Net operating income to assets
  • 0.50%Return on assets (ROA)
  • 0.73%Pretax return on assets
  • 3.93%Return on equity (ROE)
  • 3.93%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 123.23%Credit loss provision to net charge-offs
  • 17.70%Efficiency ratio
  • 82,922Assets per employee
  • 3.01%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.42%Loss allowance to noncurrent loans
  • 18.34%Noncurrent assets plus other real estate owned to assets
  • 1.22%Noncurrent loans to loans
  • 2.31%Net loans and leases to deposits
  • 62.71%Net loans and leases to core deposits
  • 72.45%Equity capital to assets
  • 12.88%Core capital (leverage) ratio
  • 12.22%Tier 1 risk-based capital ratio
  • 28.52%Total risk-based capital ratio
  • Memoranda
  • $29Average assets
  • $736,223Average earning assets
  • $94,520Average equity
  • $671,076Average loans

List of branches

  • 15 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    043275First Federal Bank Of Louisiana1135 Lake Shore Drive, Lake Charles, LA 70601October 31, 1949Full Service Brick and Mortar
    1280420Maplewood Drive Branch2250 Maplewood Drive, Sulphur, LA 70663October 31, 1949Full Service Brick and Mortar
    2280421324 East Mc Neese Street Branch324 East Mc Neese Street, Lake Charles, LA 70605October 31, 1949Full Service Brick and Mortar
    32804222214 Sampson Street Branch2214 Sampson Street, Westlake, LA 70669October 31, 1949Full Service Brick and Mortar
    42804232440 Highway 14 Branch2440 Highway 14, Lake Charles, LA 70601October 31, 1949Full Service Brick and Mortar
    100280424519 North Pine Branch519 North Pine, De Ridder, LA 70634October 31, 1949Full Service Brick and Mortar
    10141618701 Keyser Avenue701 Keyser Avenue, Natchitoches, LA 71457January 01, 1933Full Service Brick and Mortar
    102280425Lake Charles Branch640 Sam Houston Jones Parkway, Lake Charles, LA 70611September 02, 1996Full Service Brick and Mortar
    10344192First Fs & La Of Allen Parish Branch222 South 10th St, Oakdale, LA 71463October 02, 1962Full Service Brick and Mortar
    104464023110 N Fifth Street Branch110 N Fifth Street, Oberlin, LA 70655November 01, 2004Full Service Brick and Mortar
    1054640254093 Nelson Road Branch4093 Nelson Road, Lake Charles, LA 70605March 31, 2002Full Service Brick and Mortar
    1064640275615-A Jackson Street5615-A Jackson Street, Alexandria, LA 71303November 01, 2004Full Service Brick and Mortar
    107492424Alexandria Branch2141 North Mall Blvd, Alexandria, LA 71301April 01, 2008Full Service Brick and Mortar
    108495994Natchitoches Branch5696 Highway 1 Bypass, Natchitoches, LA 71457November 06, 1999Full Service Brick and Mortar
    109521608Pineville Branch3305 Louisiana Hwy 28e, Pineville, LA 71360October 05, 2009Full Service Brick and Mortar

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