Investar Bank in Baton Rouge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Investar Bank - Overview

  • General
  • FDIC Certificate #: 58316
    Status: Active
    Federal Reserve ID: 3449066
    Date Established: June 14, 2006
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 446069
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: June 14, 2006
    Last Structure Change Effective Date: October 03, 2011
    Last Structure Change Process Date: October 14, 2011
    Last Data Update: October 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 7244 Perkins Road, Baton Rouge, LA 70808
    County: East Baton Rouge
    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): Baton Rouge, LA (#760)
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Participated in Absorption/Consolidation/Merger
  • Financial Summary
  • Total assets: $279.0 mil
    Equity capital: $35.2 mil
    Deposits held in domestic offices: $228.2 mil
    Return on assets (ROA): 0.45% ($1.3 mil)
    Quarterly return on assets: 0.49% ($1.4 mil)
    Return on Equity (ROE): 4.63% ($1.6 mil)
    Quarterly return on equity: 4.52% ($1.6 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 0.67% ($1,869.6 mil)
    Quarterly Pretax return on assets: 0.75% ($2,092.8 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
  • 68Total employees (full-time equivalent)
  • $279,042Total assets
  • $5,704Cash and due from depository institutions
  • $3,146Interest-bearing balances
  • $28,930Securities
  • $175Federal funds sold & reverse repurchase agreements
  • $226,208Net loans & leases
  • $1,746Loan loss allowance
  • $0Trading account assets
  • $10,800Bank premises and fixed assets
  • $2,079Other real estate owned
  • $2,839Goodwill and other intangibles
  • $279,041Life insurance assets
  • $2,307All other assets
  • $243,875Total liabilities and capital
  • $228,168Total liabilities
  • $209,871Total deposits
  • $228,168Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 5050.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,574Trading liabilities
  • $0Other borrowed funds
  • $1,083Subordinated debt
  • $35,166All other liabilities
  • $35,166Total equity capital
  • $35,166Total bank equity capital
  • $0Perpetual preferred stock
  • $2,736Common stock
  • $30,722Surplus
  • $1,708Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $7,707Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $28Income earned, not collected on loans
  • $0Earning assets
  • $819Long-term assets (5+ years)
  • $258,459Average Assets, year-to-date
  • $106,719Average Assets, quarterly
  • $224,443Volatile liabilities
  • $249,286Insider loans
  • $229,404FHLB advances
  • $268,845Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $30,933Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,987Restructured Loans and leases
  • $6,669Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,302Total interest income
  • $2,579Total interest expense
  • $8,723Net interest income
  • $639Provision for loan and lease losses
  • $1,852Total noninterest income
  • $0Fiduciary activities
  • $102Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,750Additional noninterest income
  • $8,595Total noninterest expense
  • $4,909Salaries and employee benefits
  • $790Premises and equipment expense
  • $2,896Additional noninterest expense
  • $1,341Pre-tax net operating income
  • $160Securities gains (losses)
  • $502Applicable income taxes
  • $999Income before extraordinary items
  • $0Extraordinary gains - net
  • $999Net income attributable to bank
  • $0Net charge-offs
  • $999Cash dividends
  • $369Sale, conversion, retirement of capital stock, net
  • $124Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.38%Yield on earning assets
  • 1.23%Cost of funding earning assets
  • 4.15%Net interest margin
  • 0.88%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 0.40%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 4.63%Return on equity (ROE)
  • 4.05%Retained earnings to average equity (YTD only)
  • 0.20%Net charge-offs to loans
  • 173.17%Credit loss provision to net charge-offs
  • 5.37%Efficiency ratio
  • 81,277Assets per employee
  • 4.10%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 12.41%Loss allowance to loans
  • 0.77%Loss allowance to noncurrent loans
  • 6235.71%Noncurrent assets plus other real estate owned to assets
  • 0.76%Noncurrent loans to loans
  • 0.01%Net loans and leases to deposits
  • 99.14%Net loans and leases to core deposits
  • 100.66%Equity capital to assets
  • 12.60%Core capital (leverage) ratio
  • 11.51%Tier 1 risk-based capital ratio
  • 13.48%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $224,443Average earning assets
  • $21,594Average equity
  • $210,070Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0446069Investar Bank7244 Perkins Road, Baton Rouge, LA 70808June 14, 2006Full Service Brick and Mortar
    1490265Port Allen Branch3761 La Highway 1 South, Port Allen, LA 70767May 11, 2009Full Service Brick and Mortar
    2510440Coursey Boulevard Banking Branch10922 Coursey Boulevard, Baton Rouge, LA 70816April 20, 2010Full Service Brick and Mortar
    3516677Range Avenue Branch200 South Range Avenue, Suite B, Denham Springs, LA 70726November 17, 2010Full Service Brick and Mortar
    4463210South Louisiana Branch38567 Hwy 42, Prairieville, LA 70769July 01, 2008Full Service Brick and Mortar

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