St Landry Homestead Federal Savings Bank in Opelousas, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • St Landry Homestead Federal Savings Bank in Opelousas, Louisiana (LA)
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St Landry Homestead Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 29804
    Status: Active
    Federal Reserve ID: 420578
    Date Established: January 01, 1922
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 4114
    FDIC's unique #: 42638
    Numeric code: 34
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: April 05, 1935
    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: 235 N Court Street, Opelousas, LA 70570
    County: St. Landry
    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): Opelousas-Eunice, LA (#36660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $248.3 mil
    Equity capital: $38.0 mil
    Deposits held in domestic offices: $180.6 mil
    Return on assets (ROA): -0.27% (-$0.7 mil)
    Quarterly return on assets: 0.49% ($1.2 mil)
    Return on Equity (ROE): -1.83% (-$0.7 mil)
    Quarterly return on equity: 3.20% ($1.2 mil)
    Net income: -$0.7 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: -0.15% (-$372.5 mil)
    Quarterly Pretax return on assets: 0.54% ($1,340.9 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
  • 45Total employees (full-time equivalent)
  • $248,322Total assets
  • $7,966Cash and due from depository institutions
  • $3,371Interest-bearing balances
  • $16,893Securities
  • $10,300Federal funds sold & reverse repurchase agreements
  • $206,210Net loans & leases
  • $5,202Loan loss allowance
  • $0Trading account assets
  • $1,371Bank premises and fixed assets
  • $2,195Other real estate owned
  • $0Goodwill and other intangibles
  • $248,322Life insurance assets
  • $3,387All other assets
  • $210,319Total liabilities and capital
  • $180,628Total liabilities
  • $174,763Total deposits
  • $180,628Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $28,500Trading liabilities
  • $0Other borrowed funds
  • $1,191Subordinated debt
  • $38,003All other liabilities
  • $38,003Total equity capital
  • $38,003Total bank equity capital
  • $0Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $38,003Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $11,011Income earned, not collected on loans
  • $0Earning assets
  • $867Long-term assets (5+ years)
  • $236,774Average Assets, year-to-date
  • $31,114Average Assets, quarterly
  • $257,648Volatile liabilities
  • $248,904Insider loans
  • $150,736FHLB advances
  • $249,591Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $38,003Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $115Restructured Loans and leases
  • $803Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,084Total interest income
  • $4,114Total interest expense
  • $7,970Net interest income
  • $1,668Provision for loan and lease losses
  • -$1,625Total noninterest income
  • $0Fiduciary activities
  • $337Service charges on deposit accounts
  • $0Trading account gains & fees
  • -$1,962Additional noninterest income
  • $5,070Total noninterest expense
  • $2,972Salaries and employee benefits
  • $506Premises and equipment expense
  • $1,592Additional noninterest expense
  • -$393Pre-tax net operating income
  • $0Securities gains (losses)
  • $307Applicable income taxes
  • -$700Income before extraordinary items
  • $0Extraordinary gains - net
  • -$700Net income attributable to bank
  • $0Net charge-offs
  • -$700Cash dividends
  • $690Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.98%Yield on earning assets
  • 1.69%Cost of funding earning assets
  • 3.28%Net interest margin
  • -0.67%Noninterest income to earning assets
  • 2.09%Noninterest expense to earning assets
  • -0.27%Net operating income to assets
  • -0.27%Return on assets (ROA)
  • -0.15%Pretax return on assets
  • -1.83%Return on equity (ROE)
  • -1.83%Retained earnings to average equity (YTD only)
  • 0.32%Net charge-offs to loans
  • 241.74%Credit loss provision to net charge-offs
  • 1.85%Efficiency ratio
  • 79,905Assets per employee
  • 5.52%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.46%Loss allowance to noncurrent loans
  • 47.24%Noncurrent assets plus other real estate owned to assets
  • 5.32%Noncurrent loans to loans
  • 5.21%Net loans and leases to deposits
  • 114.16%Net loans and leases to core deposits
  • 124.79%Equity capital to assets
  • 15.30%Core capital (leverage) ratio
  • 15.23%Tier 1 risk-based capital ratio
  • 25.21%Total risk-based capital ratio
  • Memoranda
  • $26Average assets
  • $257,648Average earning assets
  • $38,154Average equity
  • $242,716Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042638St Landry Homestead Federal Savings235 N Court Street, Opelousas, LA 70570January 01, 1922Full Service Brick and Mortar
    1277223101 North Sixth Branch101 North Sixth, Eunice, LA 70535January 01, 1922Full Service Brick and Mortar
    100277224Saizan Street Branch418 Saizan Avenue, Port Barre, LA 70577January 01, 1922Full Service Brick and Mortar

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