West Carroll Community Bank in Oak Grove, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

West Carroll Community Bank - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 7Total employees (full-time equivalent)
  • $18,960Total assets
  • $2,749Cash and due from depository institutions
  • $1,645Interest-bearing balances
  • $6,288Securities
  • $1,700Federal funds sold & reverse repurchase agreements
  • $7,351Net loans & leases
  • $141Loan loss allowance
  • $0Trading account assets
  • $662Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $18,960Life insurance assets
  • $210All other assets
  • $16,589Total liabilities and capital
  • $16,535Total liabilities
  • $13,342Total deposits
  • $16,535Interest-bearing deposits
  • $79Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $54Subordinated debt
  • $2,371All other liabilities
  • $2,371Total equity capital
  • $2,371Total bank equity capital
  • $0Perpetual preferred stock
  • $500Common stock
  • $2,135Surplus
  • $-264Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $95Long-term assets (5+ years)
  • $16,984Average Assets, year-to-date
  • $4,860Average Assets, quarterly
  • $18,407Volatile liabilities
  • $18,126Insider loans
  • $11,426FHLB advances
  • $17,082Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $2,292Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $0Restructured Loans and leases
  • $300Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $709Total interest income
  • $87Total interest expense
  • $622Net interest income
  • $0Provision for loan and lease losses
  • $152Total noninterest income
  • $0Fiduciary activities
  • $122Service charges on deposit accounts
  • $0Trading account gains & fees
  • $30Additional noninterest income
  • $740Total noninterest expense
  • $346Salaries and employee benefits
  • $82Premises and equipment expense
  • $312Additional noninterest expense
  • $34Pre-tax net operating income
  • $3Securities gains (losses)
  • $13Applicable income taxes
  • $24Income before extraordinary items
  • $0Extraordinary gains - net
  • $24Net income attributable to bank
  • $0Net charge-offs
  • $24Cash dividends
  • -$10Sale, conversion, retirement of capital stock, net
  • $20Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.26%Yield on earning assets
  • 0.52%Cost of funding earning assets
  • 3.74%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 4.45%Noninterest expense to earning assets
  • 0.12%Net operating income to assets
  • 0.13%Return on assets (ROA)
  • 0.20%Pretax return on assets
  • 1.03%Return on equity (ROE)
  • 0.17%Retained earnings to average equity (YTD only)
  • -0.15%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 95,607Assets per employee
  • 2.71%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.33%Loss allowance to loans
  • 1.88%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 44.46%Net loans and leases to core deposits
  • 49.93%Equity capital to assets
  • 12.51%Core capital (leverage) ratio
  • 13.42%Tier 1 risk-based capital ratio
  • 20.06%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $18,407Average earning assets
  • $2,320Average equity
  • $16,630Average loans

List of branches

  • 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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