Richland State Bank in Rayville, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Richland State Bank - Overview

  • General
  • FDIC Certificate #: 8526
    Status: Active
    Federal Reserve ID: 752653
    Bank Holding Company (Regulatory Top Holder): Richland State Bancorp, Inc. (RSSDID: 1109919, Location: Rayville, LA)
    Date Established: September 15, 1902
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 5434
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: October 28, 2008
    Last Structure Change Process Date: December 30, 2008
    Last Data Update: December 30, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 724 Louisa St, Rayville, LA 71269
    County: Richland
    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
  • History of Changes
  • Change in Location
  • Financial Summary
  • Total assets: $222.8 mil
    Equity capital: $24.3 mil
    Deposits held in domestic offices: $196.7 mil
    Return on assets (ROA): 1.44% ($3.2 mil)
    Quarterly return on assets: 1.20% ($2.7 mil)
    Return on Equity (ROE): 13.50% ($3.2 mil)
    Quarterly return on equity: 11.00% ($2.6 mil)
    Net income: $3.1 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.44% ($3,208.2 mil)
    Quarterly Pretax return on assets: 1.20% ($2,673.5 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
  • 70Total employees (full-time equivalent)
  • $222,790Total assets
  • $12,464Cash and due from depository institutions
  • $5,844Interest-bearing balances
  • $85,036Securities
  • $5,500Federal funds sold & reverse repurchase agreements
  • $105,193Net loans & leases
  • $1,664Loan loss allowance
  • $0Trading account assets
  • $4,586Bank premises and fixed assets
  • $1,570Other real estate owned
  • $0Goodwill and other intangibles
  • $222,791Life insurance assets
  • $8,441All other assets
  • $198,446Total liabilities and capital
  • $196,654Total liabilities
  • $147,190Total deposits
  • $196,654Interest-bearing deposits
  • $93Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,792Subordinated debt
  • $24,345All other liabilities
  • $24,345Total equity capital
  • $24,345Total bank equity capital
  • $0Perpetual preferred stock
  • $513Common stock
  • $6,487Surplus
  • $17,345Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $255Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $606Income earned, not collected on loans
  • $0Earning assets
  • $1,478Long-term assets (5+ years)
  • $201,573Average Assets, year-to-date
  • $48,720Average Assets, quarterly
  • $218,709Volatile liabilities
  • $222,228Insider loans
  • $134,035FHLB advances
  • $223,431Loans and leases held for sale
  • $5,171Unused loan commitments
  • $5,171Tier 1 (core) risk-based capital
  • $23,173Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $27,304Restructured Loans and leases
  • $4,187Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,109Total interest income
  • $1,131Total interest expense
  • $8,978Net interest income
  • $130Provision for loan and lease losses
  • $2,675Total noninterest income
  • $0Fiduciary activities
  • $1,480Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,195Additional noninterest income
  • $8,435Total noninterest expense
  • $4,383Salaries and employee benefits
  • $1,298Premises and equipment expense
  • $2,754Additional noninterest expense
  • $3,088Pre-tax net operating income
  • $54Securities gains (losses)
  • $0Applicable income taxes
  • $3,142Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,142Net income attributable to bank
  • $0Net charge-offs
  • $3,142Cash dividends
  • $145Sale, conversion, retirement of capital stock, net
  • $1,344Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.11%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 4.53%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 4.26%Noninterest expense to earning assets
  • 1.41%Net operating income to assets
  • 1.44%Return on assets (ROA)
  • 1.44%Pretax return on assets
  • 13.50%Return on equity (ROE)
  • 7.73%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 89.66%Credit loss provision to net charge-offs
  • 22.19%Efficiency ratio
  • 72,385Assets per employee
  • 3.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 42.78%Loss allowance to loans
  • 1.56%Loss allowance to noncurrent loans
  • 274.59%Noncurrent assets plus other real estate owned to assets
  • 0.98%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 53.49%Net loans and leases to core deposits
  • 56.80%Equity capital to assets
  • 10.93%Core capital (leverage) ratio
  • 10.37%Tier 1 risk-based capital ratio
  • 17.29%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $218,709Average earning assets
  • $23,274Average equity
  • $197,997Average loans

List of branches

  • 8 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05434Richland State Bank724 Louisa St, Rayville, LA 71269September 15, 1902Full Service Brick and Mortar
    1218659Mangham BranchMain And Horace Streets, Mangham, LA 71259December 12, 1953Full Service Brick and Mortar
    3218661Motor Branch404 Blackmon Street, Richland, LA 71269November 11, 1996Limited Service Facility
    4218662Minden Branch Office1222 Homer Road, Minden, LA 71055Febuary 07, 2000Full Service Brick and Mortar
    5363173Cypress Street Motor Branch3426 Cypress Street, West Monroe, LA 71291Febuary 19, 2002Limited Service Facility
    6424727North Seventh Street Branch2500 North Seventh Street, West Monroe, LA 71291January 26, 2004Full Service Brick and Mortar
    7440106Richland State Bank1816 Forsythe Avenue, Monroe, LA 71201April 18, 2005Full Service Brick and Mortar
    8479122Oak Grove Branch140 Industrial Blvd, Oak Grove, LA 71263October 15, 2007Full Service Brick and Mortar

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