South Louisiana Bank, Houma, Louisiana in Houma, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


South Louisiana Bank, Houma, Louisiana - Overview

  • General
  • FDIC Certificate #: 23144
    Status: Active
    Federal Reserve ID: 616036
    Bank Holding Company (Regulatory Top Holder): South Louisiana Financial Corporation (RSSDID: 1086298, Location: Houma, LA)
    Date Established: June 30, 1980
    WWW: http://www.ayeee.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Domestic: 6, Interstate: No)
    FDIC's unique #: 16215
    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 30, 1980
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1362 West Tunnel Boulevard, Houma, LA 70360
    County: Terrebonne
    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): Houma, LA (#3350)
    Core Based Statistical Area (CBSA): Houma-Bayou Cane-Thibodaux, LA (#26380)
    CBSA Metro Statistical Area: Houma-Bayou Cane-Thibodaux, LA (#26380)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $397.5 mil
    Equity capital: $45.7 mil
    Deposits held in domestic offices: $348.4 mil
    Return on assets (ROA): 1.10% ($4.4 mil)
    Quarterly return on assets: 1.17% ($4.7 mil)
    Return on Equity (ROE): 9.62% ($4.4 mil)
    Quarterly return on equity: 10.15% ($4.7 mil)
    Net income: $4.3 mil
    Quarterly Net income: $1.2 mil
    Pretax return on assets: 1.58% ($6,280.7 mil)
    Quarterly Pretax return on assets: 1.45% ($5,763.9 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
  • 130Total employees (full-time equivalent)
  • $397,513Total assets
  • $80,976Cash and due from depository institutions
  • $61,073Interest-bearing balances
  • $40,405Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $256,010Net loans & leases
  • $9,045Loan loss allowance
  • $0Trading account assets
  • $6,320Bank premises and fixed assets
  • $1,273Other real estate owned
  • $738Goodwill and other intangibles
  • $397,513Life insurance assets
  • $11,791All other assets
  • $351,770Total liabilities and capital
  • $348,429Total liabilities
  • $254,084Total deposits
  • $348,429Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,341Subordinated debt
  • $45,743All other liabilities
  • $45,743Total equity capital
  • $45,743Total bank equity capital
  • $0Perpetual preferred stock
  • $1,000Common stock
  • $22,520Surplus
  • $22,223Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $84Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,745Income earned, not collected on loans
  • $719Earning assets
  • $1,204Long-term assets (5+ years)
  • $357,488Average Assets, year-to-date
  • $12,177Average Assets, quarterly
  • $393,290Volatile liabilities
  • $396,725Insider loans
  • $269,488FHLB advances
  • $399,595Loans and leases held for sale
  • $5,919Unused loan commitments
  • $2,486Tier 1 (core) risk-based capital
  • $44,677Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,433Total unused commitments
  • $38,914Restructured Loans and leases
  • $2,341Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $17,672Total interest income
  • $2,197Total interest expense
  • $15,475Net interest income
  • $1,450Provision for loan and lease losses
  • $4,691Total noninterest income
  • $0Fiduciary activities
  • $1,459Service charges on deposit accounts
  • $0Trading account gains & fees
  • $3,232Additional noninterest income
  • $12,517Total noninterest expense
  • $7,695Salaries and employee benefits
  • $1,620Premises and equipment expense
  • $3,202Additional noninterest expense
  • $6,199Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,892Applicable income taxes
  • $4,307Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,307Net income attributable to bank
  • $0Net charge-offs
  • $4,307Cash dividends
  • $841Sale, conversion, retirement of capital stock, net
  • $1,450Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.00%Yield on earning assets
  • 0.62%Cost of funding earning assets
  • 4.38%Net interest margin
  • 1.33%Noninterest income to earning assets
  • 3.54%Noninterest expense to earning assets
  • 1.10%Net operating income to assets
  • 1.10%Return on assets (ROA)
  • 1.58%Pretax return on assets
  • 9.62%Return on equity (ROE)
  • 6.38%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 172.41%Credit loss provision to net charge-offs
  • 9.10%Efficiency ratio
  • 61,257Assets per employee
  • 3.06%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 33.67%Loss allowance to loans
  • 3.41%Loss allowance to noncurrent loans
  • 241.52%Noncurrent assets plus other real estate owned to assets
  • 1.26%Noncurrent loans to loans
  • 1.41%Net loans and leases to deposits
  • 73.48%Net loans and leases to core deposits
  • 82.07%Equity capital to assets
  • 11.51%Core capital (leverage) ratio
  • 11.18%Tier 1 risk-based capital ratio
  • 16.58%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $393,290Average earning assets
  • $44,757Average equity
  • $353,562Average loans

List of branches

  • 6 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016215South Louisiana Bank, Houma, Louisiana1362 West Tunnel Boulevard, Houma, LA 70360June 30, 1980Full Service Brick and Mortar
    1255959East Houma Branch1308 Grand Caillou Road, Houma, LA 70361June 01, 1993Full Service Brick and Mortar
    2255960West Park Branch6405 West Park Avenue, Houma, LA 70364August 14, 1997Full Service Brick and Mortar
    3255961South Terrebonne Branch4343 Highway 24, Bourg, LA 70343December 22, 1998Full Service Brick and Mortar
    4418953Little Bayou Black Branch3916 Highway 311, Houma, LA 70360May 05, 2003Full Service Brick and Mortar
    5454551Bayou Blue Branch2010 Bayou Blue Road, Houma, LA 70364August 21, 2006Full Service Brick and Mortar

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