FDIC Certificate #: 30447 Status: Active Federal Reserve ID: 518176 Date Established: January 01, 1900 WWW:http://www.raynebuildingloan.com Trust Powers Granted: No Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS) Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 5352 FDIC's unique #: 43281 Numeric code: 36 Regulator: FDIC 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: Yes Subchapter S Corporations: No Asset Concentration Hierarchy: Mortgage Lending Specialization Date of Deposit Insurance: July 28, 1936 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: 200 North Adams Avenue, Rayne, LA 70578 County: Acadia 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): Lafayette, LA (#3880) Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318) Core Based Statistical Area (CBSA): Crowley, LA (#18940) CBSA Micro Statistical Area: Yes
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $66.9 mil Equity capital: $11.5 mil Deposits held in domestic offices: $54.7 mil Return on assets (ROA): 0.99% ($0.7 mil) Quarterly return on assets: 0.98% ($0.7 mil) Return on Equity (ROE): 6.02% ($0.7 mil) Quarterly return on equity: 5.68% ($0.7 mil) Net income: $0.6 mil Quarterly Net income: $0.2 mil Pretax return on assets: 1.44% ($962.7 mil) Quarterly Pretax return on assets: 1.32% ($882.5 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
10Total employees (full-time equivalent)
$66,856Total assets
$8,616Cash and due from depository institutions
$8,452Interest-bearing balances
$28,537Securities
$0Federal funds sold & reverse repurchase agreements
$26,130Net loans & leases
$250Loan loss allowance
$0Trading account assets
$535Bank premises and fixed assets
$86Other real estate owned
$92Goodwill and other intangibles
$66,856Life insurance assets
$2,860All other assets
$55,352Total liabilities and capital
$54,714Total liabilities
$54,583Total deposits
$54,714Interest-bearing deposits
$97Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$638Subordinated debt
$11,504All other liabilities
$11,504Total equity capital
$11,504Total bank equity capital
$0Perpetual preferred stock
$0Common stock
$0Surplus
$11,504Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$802Income earned, not collected on loans
$0Earning assets
$270Long-term assets (5+ years)
$63,119Average Assets, year-to-date
$0Average Assets, quarterly
$65,270Volatile liabilities
$66,419Insider loans
$30,375FHLB advances
$65,375Loans and leases held for sale
$2,013Unused loan commitments
$0Tier 1 (core) risk-based capital
$10,527Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$2,773Restructured Loans and leases
$362Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,954Total interest income
$908Total interest expense
$2,046Net interest income
$4Provision for loan and lease losses
$289Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$289Additional noninterest income
$1,371Total noninterest expense
$803Salaries and employee benefits
$262Premises and equipment expense
$306Additional noninterest expense
$960Pre-tax net operating income
-$23Securities gains (losses)
$289Applicable income taxes
$648Income before extraordinary items
$0Extraordinary gains - net
$648Net income attributable to bank
$0Net charge-offs
$648Cash dividends
$4Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.80%Yield on earning assets
1.48%Cost of funding earning assets
3.33%Net interest margin
0.47%Noninterest income to earning assets
2.23%Noninterest expense to earning assets
1.02%Net operating income to assets
0.99%Return on assets (ROA)
1.44%Pretax return on assets
6.02%Return on equity (ROE)
6.02%Retained earnings to average equity (YTD only)
0.01%Net charge-offs to loans
100.00%Credit loss provision to net charge-offs
241.00%Efficiency ratio
58,630Assets per employee
6.69%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
31.17%Noncurrent assets plus other real estate owned to assets
1.33%Noncurrent loans to loans
3.04%Net loans and leases to deposits
47.76%Net loans and leases to core deposits
50.95%Equity capital to assets
17.21%Core capital (leverage) ratio
16.10%Tier 1 risk-based capital ratio
34.66%Total risk-based capital ratio
Memoranda
$35Average assets
$65,270Average earning assets
$10,760Average equity
$61,522Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
43281
Rayne Building And Loan Association
200 North Adams Avenue, Rayne, LA 70578
January 01, 1900
Full Service Brick and Mortar
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