State-Investors Bank in city_name, state_name - Detailed Financial Reports, Location

State-Investors Bank in Metairie, Louisiana (LA)
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State-Investors Bank - Overview

General
FDIC Certificate #: 27626
Status: Active
Federal Reserve ID: 802679
Date Established: January 01, 1894
WWW: http://www.stateinvestors.com
Trust Powers Granted: No
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 4 (Domestic: 4, Interstate: No)
OTS Docket #: 16
FDIC's unique #: 40460
Numeric code: 37
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: August 03, 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: 1041 Veterans Memorial Boulevard, Metairie, LA 70005
County: Jefferson
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): New Orleans, LA (#5560)
Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
History of Changes
Change in Primary Regulatory Agency
Financial Summary
Total assets: $243.5 mil
Equity capital: $36.3 mil
Deposits held in domestic offices: $164.2 mil
Return on assets (ROA): 0.46% ($1.1 mil)
Quarterly return on assets: 0.61% ($1.5 mil)
Return on Equity (ROE): 3.99% ($1.4 mil)
Quarterly return on equity: 4.16% ($1.5 mil)
Net income: $1.1 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 0.69% ($1,680.4 mil)
Quarterly Pretax return on assets: 0.86% ($2,094.4 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
32Total employees (full-time equivalent)
$243,533Total assets
$7,600Cash and due from depository institutions
$1,157Interest-bearing balances
$47,738Securities
$100Federal funds sold & reverse repurchase agreements
$175,131Net loans & leases
$1,475Loan loss allowance
$0Trading account assets
$8,579Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$243,533Life insurance assets
$4,385All other assets
$207,224Total liabilities and capital
$164,189Total liabilities
$153,652Total deposits
$164,189Interest-bearing deposits
$94Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$42,308Trading liabilities
$0Other borrowed funds
$727Subordinated debt
$36,309All other liabilities
$36,309Total equity capital
$36,309Total bank equity capital
$0Perpetual preferred stock
$14Common stock
$13,952Surplus
$22,343Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,372Income earned, not collected on loans
$0Earning assets
$1,010Long-term assets (5+ years)
$224,126Average Assets, year-to-date
$0Average Assets, quarterly
$239,499Volatile liabilities
$245,181Insider loans
$127,724FHLB advances
$243,387Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$36,163Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$10,486Restructured Loans and leases
$2,000Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$10,807Total interest income
$3,409Total interest expense
$7,398Net interest income
$154Provision for loan and lease losses
$211Total noninterest income
$0Fiduciary activities
$0Service charges on deposit accounts
$0Trading account gains & fees
$211Additional noninterest income
$5,801Total noninterest expense
$3,087Salaries and employee benefits
$1,551Premises and equipment expense
$1,163Additional noninterest expense
$1,654Pre-tax net operating income
$0Securities gains (losses)
$563Applicable income taxes
$1,091Income before extraordinary items
$0Extraordinary gains - net
$1,091Net income attributable to bank
$0Net charge-offs
$1,091Cash dividends
$184Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.91%Yield on earning assets
1.55%Cost of funding earning assets
3.36%Net interest margin
0.10%Noninterest income to earning assets
2.64%Noninterest expense to earning assets
0.46%Net operating income to assets
0.46%Return on assets (ROA)
0.69%Pretax return on assets
3.99%Return on equity (ROE)
3.99%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
83.70%Credit loss provision to net charge-offs
9.83%Efficiency ratio
76,239Assets per employee
7.61%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
0.84%Loss allowance to noncurrent loans
43.74%Noncurrent assets plus other real estate owned to assets
1.38%Noncurrent loans to loans
1.91%Net loans and leases to deposits
106.66%Net loans and leases to core deposits
110.61%Equity capital to assets
14.91%Core capital (leverage) ratio
14.86%Tier 1 risk-based capital ratio
28.31%Total risk-based capital ratio
Memoranda
$29Average assets
$239,499Average earning assets
$27,375Average equity
$219,908Average loans

List of branches

4 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	40460	State-Investors Bank	1041 Veterans Memorial Boulevard, Metairie, LA 70005	January 01, 1894	Full Service Brick and Mortar
102	42794	301 Harrison Ave Branch	301 Harrison Avenue, New Orleans, LA 70124	November 29, 1937	Full Service Brick and Mortar
104	262416	8384 Jefferson Hwy Branch	8384 Jefferson Highway, Harahan, LA 70123	June 30, 1986	Full Service Brick and Mortar
105	262417	Mandeville Branch	2909 Highway 190, Mandeville, LA 70471	January 25, 1993	Full Service Brick and Mortar

State-Investors Bank in Metairie, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

State-Investors Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

State-Investors Bank in Metairie, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

State-Investors Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

State-Investors Bank in Metairie, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches