Tensas State Bank in Newellton, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Tensas State Bank - Overview

  • General
  • FDIC Certificate #: 8533
    Status: Active
    Federal Reserve ID: 134455
    Bank Holding Company (Regulatory Top Holder): Tensas Bancshares, Inc. (RSSDID: 1109487, Location: Newellton, LA)
    Date Established: January 01, 1922
    WWW: http://www.tensas.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12224
    FDIC's unique #: 5441
    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: 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: 307 Verona Street, Newellton, LA 71357
    County: Tensas
    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
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $131.6 mil
    Equity capital: $13.7 mil
    Deposits held in domestic offices: $109.6 mil
    Return on assets (ROA): 1.91% ($2.5 mil)
    Quarterly return on assets: 1.37% ($1.8 mil)
    Return on Equity (ROE): 17.96% ($2.5 mil)
    Quarterly return on equity: 12.90% ($1.8 mil)
    Net income: $2.4 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.92% ($2,526.8 mil)
    Quarterly Pretax return on assets: 1.37% ($1,802.9 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
  • 29Total employees (full-time equivalent)
  • $131,602Total assets
  • $8,086Cash and due from depository institutions
  • $2,897Interest-bearing balances
  • $36,655Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $79,611Net loans & leases
  • $744Loan loss allowance
  • $0Trading account assets
  • $2,221Bank premises and fixed assets
  • $75Other real estate owned
  • $0Goodwill and other intangibles
  • $131,602Life insurance assets
  • $4,954All other assets
  • $117,925Total liabilities and capital
  • $109,610Total liabilities
  • $86,898Total deposits
  • $109,610Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $7,577Trading liabilities
  • $0Other borrowed funds
  • $738Subordinated debt
  • $13,677All other liabilities
  • $13,677Total equity capital
  • $13,677Total bank equity capital
  • $0Perpetual preferred stock
  • $475Common stock
  • $7,525Surplus
  • $5,677Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,150Income earned, not collected on loans
  • $0Earning assets
  • $1,359Long-term assets (5+ years)
  • $119,163Average Assets, year-to-date
  • $29,288Average Assets, quarterly
  • $124,364Volatile liabilities
  • $129,664Insider loans
  • $92,966FHLB advances
  • $127,318Loans and leases held for sale
  • $1,180Unused loan commitments
  • $1,180Tier 1 (core) risk-based capital
  • $13,408Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,085Restructured Loans and leases
  • $7,450Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,417Total interest income
  • $1,392Total interest expense
  • $5,025Net interest income
  • $0Provision for loan and lease losses
  • $795Total noninterest income
  • $0Fiduciary activities
  • $389Service charges on deposit accounts
  • $0Trading account gains & fees
  • $406Additional noninterest income
  • $3,434Total noninterest expense
  • $1,633Salaries and employee benefits
  • $472Premises and equipment expense
  • $1,329Additional noninterest expense
  • $2,386Pre-tax net operating income
  • $0Securities gains (losses)
  • $9Applicable income taxes
  • $2,377Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,377Net income attributable to bank
  • $0Net charge-offs
  • $2,377Cash dividends
  • $32Sale, conversion, retirement of capital stock, net
  • $991Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.61%Yield on earning assets
  • 1.22%Cost of funding earning assets
  • 4.40%Net interest margin
  • 0.70%Noninterest income to earning assets
  • 3.00%Noninterest expense to earning assets
  • 1.91%Net operating income to assets
  • 1.91%Return on assets (ROA)
  • 1.92%Pretax return on assets
  • 17.96%Return on equity (ROE)
  • 10.47%Retained earnings to average equity (YTD only)
  • 0.04%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 74.56%Efficiency ratio
  • 59,003Assets per employee
  • 4.54%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 41.69%Loss allowance to loans
  • 0.93%Loss allowance to noncurrent loans
  • 64.70%Noncurrent assets plus other real estate owned to assets
  • 0.93%Noncurrent loans to loans
  • 1.43%Net loans and leases to deposits
  • 72.63%Net loans and leases to core deposits
  • 77.21%Equity capital to assets
  • 10.39%Core capital (leverage) ratio
  • 10.53%Tier 1 risk-based capital ratio
  • 14.42%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $124,364Average earning assets
  • $13,238Average equity
  • $114,308Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05441Tensas State Bank307 Verona Street, Newellton, LA 71357January 01, 1922Full Service Brick and Mortar
    4218673St. Joseph Branch921 Plank Road, St. Joseph, LA 71366April 06, 1981Full Service Brick and Mortar
    6218675Ferriday Branch212 North E.E. Wallace Boulevard, Ferriday, LA 71334November 04, 1999Full Service Brick and Mortar
    74478981607 Carter Street Branch1607 Carter Street, Vidalia, LA 71373January 09, 2006Full Service Brick and Mortar
    8453791Tallulah Branch8 Crothers Street, Tallulah, LA 71282April 13, 2006Full Service Brick and Mortar

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