Louisiana Central Bank in Ferriday, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of January 01, 2002

  • Louisiana Central Bank in Ferriday, Louisiana (LA)
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Louisiana Central Bank - Overview

  • General
  • FDIC Certificate #: 21232
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Delta Bank (#26564)
    Federal Reserve ID: 180153
    Date Established: October 01, 1973
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 10203
    FDIC's unique #: 14684
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: October 01, 1973
    Last Structure Change Effective Date: January 01, 2002
    Last Structure Change Process Date: Febuary 20, 2002
    Last Data Update: Febuary 20, 2002
    Data Source Date: April 05, 2012
  • Location
  • Address: 302 Louisiana Avenue, Ferriday, LA 71334
    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
  • Financial Summary
  • Total assets: $76.2 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, 2001)

  • Dollar figures in thousands
  • 23Total employees (full-time equivalent)
  • $76,202Total assets
  • $4,619Cash and due from depository institutions
  • $2,407Interest-bearing balances
  • $20,062Securities
  • $6,900Federal funds sold & reverse repurchase agreements
  • $42,414Net loans & leases
  • $875Loan loss allowance
  • $0Trading account assets
  • $696Bank premises and fixed assets
  • $4Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,507All other assets
  • $76,202Total liabilities and capital
  • $70,349Total liabilities
  • $68,524Total deposits
  • $59,182Interest-bearing deposits
  • $68,524Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $604Other borrowed funds
  • $0Subordinated debt
  • $1,221All other liabilities
  • $5,853Total equity capital
  • $5,853Total bank equity capital
  • $5,853Perpetual preferred stock
  • $0Common stock
  • $578Surplus
  • $1,422Undivided profits
  • Memoranda
  • $3,853Noncurrent loans and leases
  • $4,028Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $671Earning assets
  • $7Long-term assets (5+ years)
  • $666Average Assets, year-to-date
  • $71,783Average Assets, quarterly
  • $15,280Volatile liabilities
  • $71,870Insider loans
  • $75,728FHLB advances
  • $20,698Loans and leases held for sale
  • $668Unused loan commitments
  • $604Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $4,028Total unused commitments
  • $6Restructured Loans and leases
  • $549Derivatives

Income and Expense (December 31, 2001)

  • Dollar figures in thousands
  • $5,586Total interest income
  • $2,606Total interest expense
  • $2,980Net interest income
  • $168Provision for loan and lease losses
  • $889Total noninterest income
  • $0Fiduciary activities
  • $718Service charges on deposit accounts
  • $0Trading account gains & fees
  • $171Additional noninterest income
  • $2,524Total noninterest expense
  • $930Salaries and employee benefits
  • $301Premises and equipment expense
  • $1,293Additional noninterest expense
  • $1,177Pre-tax net operating income
  • $142Securities gains (losses)
  • $436Applicable income taxes
  • $883Income before extraordinary items
  • $0Extraordinary gains - net
  • $883Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $110Sale, conversion, retirement of capital stock, net
  • $293Net operating income

Performance and Condition Ratios (December 31, 2001)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.30%Yield on earning assets
  • 3.87%Cost of funding earning assets
  • 4.43%Net interest margin
  • 1.32%Noninterest income to earning assets
  • 3.75%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.84%Pretax return on assets
  • 15.75%Return on equity (ROE)
  • 10.52%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 152.73%Credit loss provision to net charge-offs
  • 12.23%Efficiency ratio
  • 65,236Assets per employee
  • 3.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.18%Loss allowance to loans
  • 2.02%Loss allowance to noncurrent loans
  • 130.40%Noncurrent assets plus other real estate owned to assets
  • 0.89%Noncurrent loans to loans
  • 1.55%Net loans and leases to deposits
  • 61.90%Net loans and leases to core deposits
  • 88.59%Equity capital to assets
  • 7.68%Core capital (leverage) ratio
  • 7.76%Tier 1 risk-based capital ratio
  • 13.45%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $71,870Average earning assets
  • $5,608Average equity
  • $67,340Average loans

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