West Carroll Community Bank in Oak Grove, Louisiana (LA)



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West Carroll Community Bank routing number info

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West Carroll Community Bank
GeneralFDIC Certificate #: 35019
Status: Active
Federal Reserve ID: 2807173
Bank Holding Company (Regulatory Top Holder): Delta Bancshares Of Louisiana, Inc. (RSSDID: 2806662, Location: Oak Grove, LA)
Date Established: August 02, 1999
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Domestic: 1, Interstate: No)
FDIC's unique #: 73843
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: August 02, 1999
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
LocationAddress: 600 East Main Street, Oak Grove, LA 71263
County: West Carroll
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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $19.0 mil
Equity capital: $2.4 mil
Deposits held in domestic offices: $16.5 mil
Return on assets (ROA): 0.13% ($0.0 mil)
Quarterly return on assets: 0.09% ($0.0 mil)
Return on Equity (ROE): 1.03% ($0.0 mil)
Quarterly return on equity: 0.67% ($0.0 mil)
Net income: $0.0 mil
Quarterly Net income: $0.0 mil
Pretax return on assets: 0.20% ($37.9 mil)
Quarterly Pretax return on assets: 0.26% ($49.3 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)
Total employees (full-time equivalent)7
Total assets$18,960
Cash and due from depository institutions$2,749
Interest-bearing balances$1,645
Securities$6,288
Federal funds sold & reverse repurchase agreements$1,700
Net loans & leases$7,351
Loan loss allowance $141
Trading account assets$0
Bank premises and fixed assets$662
Other real estate owned$0
Goodwill and other intangibles$0
All other assets$210
Life insurance assets$18,960
Total liabilities and capital$16,589
Total liabilities$16,535
Total deposits$13,342
Interest-bearing deposits$16,535
Deposits held in domestic offices$79
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $54
All other liabilities $2,371
Total equity capital$2,371
Total bank equity capital$2,371
Perpetual preferred stock$0
Common stock$500
Surplus$2,135
Undivided profits $-264
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $0
Long-term assets (5+ years) $95
Average Assets, year-to-date $16,984
Average Assets, quarterly $4,860
Volatile liabilities $18,407
Insider loans $18,126
FHLB advances $11,426
Loans and leases held for sale $17,082
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $2,292
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $0
Derivatives$300
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $709
Total interest expense $87
Net interest income $622
Provision for loan and lease losses $0
Total noninterest income $152
Fiduciary activities $0
Service charges on deposit accounts $122
Trading account gains & fees $0
Additional noninterest income $30
Total noninterest expense $740
Salaries and employee benefits $346
Premises and equipment expense $82
Additional noninterest expense $312
Pre-tax net operating income $34
Securities gains (losses) $3
Applicable income taxes $13
Income before extraordinary items $24
Extraordinary gains - net $0
Net income attributable to bank $24
Net charge-offs $0
Cash dividends $24
Sale, conversion, retirement of capital stock, net -$10
Net operating income $20
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.26%
Cost of funding earning assets 0.52%
Net interest margin 3.74%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 4.45%
Net operating income to assets 0.12%
Return on assets (ROA) 0.13%
Pretax return on assets 0.20%
Return on equity (ROE) 1.03%
Retained earnings to average equity (YTD only) 0.17%
Net charge-offs to loans -0.15%
Credit loss provision to net charge-offs 0.00%
Efficiency ratio0.00%
Assets per employee$95,607
Cash dividends to net income (YTD only)2.71%
Condition Ratios (%)
Loss allowance to loans 83.33%
Loss allowance to noncurrent loans 1.88%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.00%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 44.46%
Equity capital to assets 49.93%
Core capital (leverage) ratio 12.51%
Tier 1 risk-based capital ratio 13.42%
Total risk-based capital ratio 20.06%
Memoranda
Average assets$21
Average earning assets$18,407
Average equity $2,320
Average loans $16,630
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1 Louisiana Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
073843West Carroll Community Bank600 East Main Street, Oak Grove, LA 71263August 02, 1999Full Service Brick and Mortar
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