Your Bank in Ponchatoula, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 15, 2007

  • Your Bank in Ponchatoula, Louisiana (LA)
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Your Bank - Overview

  • General
  • FDIC Certificate #: 57812
    Status: Inactive
    Closing history: Absorption - Without Assistance
    Acquiring institution: Fidelity Homestead Savings Bank (#28316)
    Federal Reserve ID: 3284427
    Date Established: November 03, 2004
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    FDIC's unique #: 426528
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 03, 2004
    Last Structure Change Effective Date: November 15, 2007
    Last Structure Change Process Date: November 29, 2007
    Last Data Update: November 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 1639 Highway 51, Ponchatoula, LA 70454
    County: Tangipahoa
    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
    Core Based Statistical Area (CBSA): Hammond, LA (#25220)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $56.0 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, 2006)

  • Dollar figures in thousands
  • 22Total employees (full-time equivalent)
  • $46,010Total assets
  • $812Cash and due from depository institutions
  • $7Interest-bearing balances
  • $1,034Securities
  • $2,375Federal funds sold & reverse repurchase agreements
  • $38,923Net loans & leases
  • $386Loan loss allowance
  • $0Trading account assets
  • $1,814Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,052All other assets
  • $46,010Total liabilities and capital
  • $42,209Total liabilities
  • $41,803Total deposits
  • $37,699Interest-bearing deposits
  • $41,803Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $406All other liabilities
  • $3,801Total equity capital
  • $3,801Total bank equity capital
  • $3,801Perpetual preferred stock
  • $0Common stock
  • $540Surplus
  • $4,663Undivided profits
  • Memoranda
  • $-1,402Noncurrent loans and leases
  • $12,121Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1Earning assets
  • $0Long-term assets (5+ years)
  • $208Average Assets, year-to-date
  • $42,339Average Assets, quarterly
  • $235Volatile liabilities
  • $41,528Insider loans
  • $47,546FHLB advances
  • $9,384Loans and leases held for sale
  • $5,236Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $12,121Total unused commitments
  • $0Restructured Loans and leases
  • $386Derivatives

Income and Expense (December 31, 2006)

  • Dollar figures in thousands
  • $3,070Total interest income
  • $1,286Total interest expense
  • $1,784Net interest income
  • $1,147Provision for loan and lease losses
  • $263Total noninterest income
  • $0Fiduciary activities
  • $70Service charges on deposit accounts
  • $0Trading account gains & fees
  • $193Additional noninterest income
  • $1,701Total noninterest expense
  • $959Salaries and employee benefits
  • $199Premises and equipment expense
  • $543Additional noninterest expense
  • -$801Pre-tax net operating income
  • $0Securities gains (losses)
  • -$263Applicable income taxes
  • -$538Income before extraordinary items
  • $0Extraordinary gains - net
  • -$538Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $985Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2006)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.08%Yield on earning assets
  • 3.38%Cost of funding earning assets
  • 4.69%Net interest margin
  • 0.69%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • -1.30%Net operating income to assets
  • -1.30%Return on assets (ROA)
  • -1.93%Pretax return on assets
  • -13.22%Return on equity (ROE)
  • -13.22%Retained earnings to average equity (YTD only)
  • 2.97%Net charge-offs to loans
  • 116.45%Credit loss provision to net charge-offs
  • 0.35%Efficiency ratio
  • 83,097Assets per employee
  • 2.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.98%Loss allowance to noncurrent loans
  • 38600.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 93.11%Net loans and leases to core deposits
  • 120.06%Equity capital to assets
  • 8.26%Core capital (leverage) ratio
  • 7.20%Tier 1 risk-based capital ratio
  • 8.68%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $41,528Average earning assets
  • $4,069Average equity
  • $38,015Average loans

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