Rayne Building and Loan Association in Rayne, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Rayne Building and Loan Association in Rayne, Louisiana (LA)
  • Show street view No street view available for this location

Rayne Building and Loan Association - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    043281Rayne Building And Loan Association200 North Adams Avenue, Rayne, LA 70578January 01, 1900Full Service Brick and Mortar

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Rayne Building and Loan Association.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents