0001171520-12-000284.txt : 20120330 0001171520-12-000284.hdr.sgml : 20120330 20120330110309 ACCESSION NUMBER: 0001171520-12-000284 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 13 CONFORMED PERIOD OF REPORT: 20111231 FILED AS OF DATE: 20120330 DATE AS OF CHANGE: 20120330 FILER: COMPANY DATA: COMPANY CONFORMED NAME: BOL BANCSHARES INC CENTRAL INDEX KEY: 0000832818 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 721121561 STATE OF INCORPORATION: LA FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 000-16934 FILM NUMBER: 12726718 BUSINESS ADDRESS: STREET 1: 300 ST CHARLES AVE CITY: NEW ORLEANS STATE: LA ZIP: 70130 BUSINESS PHONE: 5048899400 MAIL ADDRESS: STREET 1: 300 ST CHARLES AVENUE CITY: NEW ORLEANS STATE: LA ZIP: 70130 10-K 1 eps4613.htm BOL BANCSHARES, INC.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, DC 20549

 

FORM 10-K

 

[X] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

FOR THE FISCAL YEAR ENDED DECEMBER 31, 2011

 

COMMISSION FILE NUMBER 0-16934

 

BOL BANCSHARES, INC.

(EXACT NAME OF REGISTRANT AS SPECIFIED IN ITS CHARTER)

 

LOUISIANA 72-1121561
(STATE OF INCORPORATION) (IRS EMPLOYER IDENTIFICATION NO.)
   
300 ST. CHARLES AVENUE, NEW ORLEANS, LA 70130
(ADDRESS OF PRINCIPAL EXECUTIVE OFFICES) (ZIP CODE)

 

(504) 889-9400

(REGISTRANT’S TELEPHONE NUMBER, INCLUDING AREA CODE)

 

SECURITIES REGISTERED PURSUANT TO SECTION 12(b) OF THE ACT:   NONE

 

SECURITIES REGISTERED PURSUANT TO SECTION 12(g) OF THE ACT:   NONE

 

Common Stock, par value $1.00 per share

 

Indicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes   No  

 

Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes   No 

 

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the past 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes   No 

 

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K.

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer Accelerated filer
Non-accelerated filer Smaller reporting company

 

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes   No  

 

As of March 29, 2012, the aggregate market value of the voting common equity stock held by non-affiliates of the registrant was $1,864,752. For this purpose, certain executive officers and directors are considered affiliates.

 

The number of shares of Common Stock outstanding as of March 29, 2012 was 179,145.

 

 
 

Cross Reference Index

 

    Page
     
Part I    
     
Item 1: Business 1
Item 2: Properties 4
Item 3: Legal Proceedings 5
Item 4: Submission of Matters to a Vote of Security Holders 5
     
Part II    
     
Item 5: Market for Registrant’s Common Equity and Related Stockholder Matters 5
Item 6: Management’s Discussion and Analysis 6
Item 7: Financial Statements and Supplementary Data 28
Item 8: Changes in and Disagreements with Accountants and Financial Disclosure 76
Item 8A(T): Controls and Procedures 76
Item 8B: Other Information 76
     
Part III    
     
Item 9: Directors and Executive Officers of the Registrant 77
Item 10: Executive Compensation 77
Item 11: Security Ownership of Certain Beneficial Owners and Management 79
Item 12: Certain Relationships and Related Transactions 79
Item 13: Exhibits and Reports on Form 8-K  
  (a) Exhibits 79
  (b) Reports on Form 8-K 79
Item 14: Principal Accountant Fees and Services 80
Signatures   81
     

 

 

 
 

Item 1 Description of Business

 

Here and after BOL Bancshares, Inc. shall be referred to as the Company and subsidiary Bank of Louisiana shall be referred to as the Bank.

 

History and General Business

 

The Company was organized as a Louisiana corporation on May 7, 1981, for the purpose of becoming a registered bank holding company under the Bank Holding Company Act of 1956, as amended (the “BHC Act”). The Company remained inactive until April 29, 1988, when it acquired the Bank in a three-bank merger of the Bank of Louisiana in New Orleans (the “Old Bank”), Bank of the South (“South Bank”), and Fidelity Bank & Trust Company, all Louisiana state-chartered banks. The Old Bank was the surviving bank in the merger and subsequently changed its name to the Bank’s current name. The merger was originally accounted for as a “purchase”, but after discussions with the Securities and Exchange Commission, the accounting treatment of the merger was changed to a manner similar to a “pooling of interests”. [Since the change in accounting treatment, the Company has recast its financial statements, to reflect “pooling” accounting.] In addition, at the time of the bank’s merger, the Company merged with BOS Bancshares, Inc., a Louisiana corporation, and the registered bank holding company for South Bank. The Company was the surviving entity in that merger. The Company is the sole shareholder and registered bank holding company of the Bank.

 

Other than owning and operating the Bank, the Company may also engage, directly or through subsidiary corporations, in those activities closely related to banking that are specifically permitted under the BHC Act. See “Supervision and Regulation Enforcement Action”. The Company, after acquiring the requisite approval of the Board of Governors of the Federal Reserve System (the “FRB”) and any other appropriate regulatory agency, may seek to engage de novo in such activities or to acquire companies already engaged in such activities. The Bank has formed BOL Assets, LLC to engage in the permissible activity of holding real estate from loans which were in default and held past the FDIC’s time limits. There can be no assurance, however, that the Company will not form or acquire any other entity in the future.

 

If the Company attempts to form or acquire other entities and engage in activities closely related to banking, the Company will be competing with other bank holding companies and companies currently engaged in the line of business or permissible activity in which the Company might engage, many of which have far greater assets and financial resources than the Company and a greater capacity to raise additional debt and equity capital. See “Territory Served and Competition”.

 

Forward-Looking Statements are Subject to Change

 

We make certain statements in this document as to what we expect may happen in the future. These statements usually contain the words “believe”, “estimate”, “project”, “expect”, “anticipate”, “intend” or similar expressions. Because these statements look to the future, they are based on our current expectations and beliefs. Actual results or events may differ materially from those reflected in the forward-looking statements. You should be aware that our current expectations and beliefs as to future events are subject to change at any time, and we can give no assurances that the future events will actually occur.

 

1
 

Critical Accounting Policies

 

In reviewing and understanding financial information of the Company, you are encouraged to read and understand the significant accounting policies used in preparing our consolidated financial statements. These policies are described in Note A of the notes to our consolidated financial statements included in this Form 10-K. Our accounting and financial reporting policies conform to accounting principles generally accepted in the United States of America and to general practices within the banking industry. Accordingly, the consolidated financial statements require certain estimates, judgments, and assumptions, which are believed to be reasonable, based upon the information available. These estimates and assumptions affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of income and expenses during the periods presented. The following policies comprise those that management believes are the most critical to aid in fully understanding and evaluating our reported financial results. These policies require numerous estimates or economic assumptions that may prove inaccurate or may be subject to variations which may significantly affect our reported results and financial condition for the period or in future periods.

 

Allowance for Loan Losses.

 

It is the Bank’s policy to maintain a loan loss reserve that is appropriate when compared to the quality of our loan portfolio. The allowance for loan losses is established through a provision for loan losses charged to expense. Management reviews the allowance for loan losses on a periodic basis in order to identify those inherent losses and to assess the overall collection probability of the loan portfolio. The evaluation process includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of our loans, the value of collateral securing the loan, the borrower’s ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience. From this analysis, a general, specific and unallocated reserve is established, which totals the allowance for loan losses at each reporting date. Loans are charged against the allowance for loan losses when management believes the collectability of the principal is unlikely.

 

Banking Industry

 

The Company derives its revenues largely from dividends from the Bank when the Bank upstreams dividends. As is the case with any financial institution, the profitability of the Bank is subject, among other things, to fluctuating availability of money, loan demand, changes in interest rates, actions of fiscal and monetary authorities, and economic conditions in general. See “Banking Products and Services”, “Supervision and Regulation Enforcement Action”, and “Management’s Discussion and Analysis”.

 

Banking Products and Services

 

The Bank is a full service commercial bank that provides a wide range of banking services for its customers. Some of the major services that it offers include checking accounts, negotiable order of withdrawal (“NOW”) accounts, individual retirement accounts (“IRAs”), savings and other time deposits of various types, and business, real-estate, personal use, home improvement, automobile, and a variety of other loans, as discussed more fully below. Other services include letters of credit, safe deposit boxes, credit cards, wire transfer, e-banking, night deposit, and drive-in facilities. Prices and rates charged for services offered are competitive with the area’s existing financial institutions in the Bank’s primary market area.

 

The Bank offers a wide variety of fixed and variable rate loans to qualified borrowers. With regard to interest rates, the Bank continues to meet legal standards while remaining competitive with the existing financial institutions in its market area. The specific types of loans that the Bank offers include the following:

 

Consumer Loans. The Bank’s consumer loans consist of automobile, mobile home, recreational vehicle, and boat loans; home improvement and second-mortgage loans; secured and unsecured personal expense loans; and educational loans.

2
 

Real Estate Loans. The Bank’s real estate loans consist of residential first and second mortgage loans on one-to-four family homes; construction and development loans; multiple dwelling unit loans; housing rehabilitation loans; loans to purchase developed real property; and commercial real estate loans.

 

Commercial Loans (Secured and Unsecured). The Bank’s commercial loans consist of working capital loans, secured and unsecured lines of credit, and small equipment loans.

 

Credit Cards. The Bank offers a variety of nationally recognized credit cards, in addition to its own Mr. Bol credit card, and private label credit cards for use at retail establishments nationwide. As of December 31, 2011 the Bank held $6,039,000 in credit card debt.

 

The Bank has a number of proprietary accounts it services which is included above. These accounts consist largely of small to medium sized merchants who have issued their own private-label credit cards. The Bank acquires these credit card accounts, typically with reserves posted, and requires the merchant to repurchase accounts 180 days or more past due.

 

As of December 31, 2011 the Bank held $283,000 in proprietary accounts.

 

Territory Served and Competition

 

Market Area. The market area for the Bank is defined in the Bank’s Community Reinvestment Act Statement as the greater New Orleans metropolitan area. This area includes all of the City of New Orleans and surrounding Parishes. The Bank has branch offices in Orleans, Jefferson, and St. Tammany Parishes.

 

Population. The U.S. Census Bureau’s latest count on the population of New Orleans stands at 343,829 residents. About 1.17 million residents were counted in 2010 in the seven-parish metropolitan area.

 

Competition. The Bank competes with other commercial banks, savings and loan associations, credit unions, and other types of financial services providers in the New Orleans metropolitan area. The Bank is one of the smallest commercial banks in New Orleans in terms of assets and deposits.

 

Economy. While there is still a long way to go, considerable progress is being made towards New Orleans region’s gradual economic recovery in the aftermath of Hurricane Katrina and the BP oil spill thanks to the convergence of a number of factors; education reform, an influx of young entrepreneurial talent, a motivated labor force and a business-friendly government. Governmental agencies and coalitions have crafted and embraced comprehensive plans for rebuilding New Orleans and its surrounding parishes for the near, medium and long term. Our communities and citizens are working hard to make a solid come-back. Our vision is one of a more livable, sustainable and safer future for New Orleans, which will include all the rich cultural and architectural heritage that has made the region so beloved to natives and visitors alike.

 

The recession in the broader economy could have an adverse effect on Bank of Louisiana’s financial condition. Recessionary conditions and a subsequent period of slow recovery in the broader economy could adversely affect the financial capacity of businesses and individuals in our market area. These conditions could, among other consequences, increase the credit risk inherent in the current loan portfolio, restrain new loan demand from creditworthy borrowers, prompt the Bank to tighten its underwriting criteria and reduce liquidity in the Bank’s customer base and the level of deposits that they maintain. These economic conditions could also delay the correction of the imbalance of supply and demand in certain real estate markets. Legislative and regulatory actions taken in response to these conditions could impose additional restrictions and requirements on the Bank. The current and further deterioration in the residential construction and commercial real estate markets may lead to increased nonperforming assets in Bank of Louisiana’s portfolio and increased provisions for losses on loans, which could have a material adverse effect on our capital, financial condition and results of operation.

 

3
 

Employees. As of December 31, 2011, the Bank had 59 full-time and approximately 7 part-time employees, including executive officers, loan and other banking officers, branch personnel, operations personnel and other support personnel. The Bank considers its relationship with its employees to be very good. The employee benefit programs provided by the Bank include group life and health insurance, paid vacations, sick leave, and a Section 401(k) savings plan. The Company has no employees who are not employees of the Bank. See “Executive Compensation”.

 

Item 2 Description of Property.

 

In addition to its main office, the Bank has five branch locations and an operations center. Set forth below is a description of the offices of the Bank.

 

Main Office. The main office of the Company is located at 300 St. Charles Avenue in the central business district of New Orleans, Louisiana. The building consists of approximately 13,100 square feet of office space, and parking is provided on the streets and commercial lots nearby. The Bank occupies the ground floor and the fourth floor. The second and third floors are leased to a single entity. Rental income received is $2,543 per month. The lease commenced December 15, 2003 and terminates on December 15, 2018. The Bank owns the building.

 

Severn Branch. The Severn Branch of the Bank is located in the central business district of Metairie at 3340 Severn Avenue, Metairie, Louisiana. The premises consist of approximately 4,600 total square feet of office space on the first floor of a four-story office building, and parking is provided for approximately 200 cars. Rental income received during 2011 and 2010 was $282,546 and $267,386, respectively.

 

Oakwood Branch. The Oakwood Branch of the Bank is located in the Oakwood Shopping Center at 197 Westbank Expressway, Gretna, Louisiana. The premise consists of approximately 3,730 total square feet of office space, which includes 1,560 square feet designated for its drive-in facility. The Bank leases the lobby and drive-in facility from Oakwood Shopping Center, Ltd. The lease will expire November 14, 2016 with a monthly lease amount of $13,905 per month.

 

Lapalco Branch. The Lapalco Branch of the Bank is located in the Belle Meade Plaza Shopping Center at 605 Lapalco Boulevard, Gretna, Louisiana. The premises consist of approximately 2,500 square feet of office space in a one-story building, and parking is provided by the shopping center. The lease will expire May, 2016 with a monthly lease amount of $6,384 per month.

 

Gause Branch. The Gause Branch of the Bank is located in the central business district of Slidell at 636 Gause Boulevard, Slidell, Louisiana. The building consists of approximately 13,800 total square feet of office space in a three-story office building, and parking is provided for approximately 50 cars. The Bank owns the building and underlying land upon which it is situated. The Bank occupies approximately 3,300 square feet in this building and leases the remaining space to various tenants for varying rental rates and terms. Rental income received during 2011 totaled $64,572.

 

Tammany Mall Branch. The Tammany Mall Branch of the Bank is located at 3180 Pontchartrain, Slidell, Louisiana. The premises consist of approximately 4,000 total square feet of office space, and parking is provided for approximately 40 cars. The Bank owns the building.

 

Operations Center. The Bank’s operations center, which houses its accounting, audit, data processing, credit card, bookkeeping, and marketing departments, is located at 3340 Severn Avenue, Metairie, Louisiana. The building consists of approximately 44,500 total square feet of space in a four-story office building, and parking is provided for approximately 200 cars.

 

4
 

Item 3 Legal Proceedings

 

Because of the nature of the banking industry in general, the Company and the Bank are each party from time to time to litigation and other proceedings in the ordinary course of business. Reserves for such litigation, if the Company deems such litigation to have sufficient merit or which may subject the Company to significant exposure, would be recorded and reflected in the Company’s consolidated financial statements.

 

There are no legal proceedings which require accrual or disclosure within the Company’s consolidated financial statements.

 

Item 4 Submission of Matters to a Vote of Security Holders

 

There were no matters submitted, during the fourth quarter of fiscal year 2011 to a vote of security holders, through the solicitation of proxies.

 

Item 5 Market for Registrant's Common Equity and Related Stockholder Matters

 

There is no established trading market in the shares of Bank Stock, as the Company owns 100% of the issued and outstanding shares of Bank Stock. There is no established trading market in the shares of Company Common Stock. The Company Common Stock is not listed or quoted on any stock exchange or automated quotation system. Management is aware, however, that Dorsey & Company, New Orleans, Louisiana does make a market in the Company Common Stock. The following table sets forth the range of high and low sales prices of Company Common Stock for 2011 and 2010, as determined by the Company based on trading records of Dorsey & Company. The following table does not purport to be a listing of all trades in Company Common Stock during the time periods indicated, but only those trades of which Dorsey and Company has informed the Company. The prices indicated below do not reflect mark-ups, mark-downs, or commissions, but do represent actual transactions. Finally, the prices listed below are not necessarily indicative of the prices at which shares of Company Stock would trade. As of December 31, 2011, the Company had approximately 576 shareholders of record. There were no dividends declared on the Company common stock for the years ended 2011 or 2010.

 

  2011 2010
         
  High Low High Low
First Quarter - - - -
Second Quarter - - - -
Third Quarter   27.85 26.05 31.50 27.75
Fourth Quarter - - - -
         

 

No dividends were paid on shares of Company Common stock in 2011 or 2010.

 

Annual Shareholders Meeting

 

The Annual Meeting of the shareholders of Registrant will be held at 300 St. Charles Avenue, 4th Floor, New Orleans, Louisiana, the exact date of which has not been determined.

 

Independent Auditors

 

LaPorte, CPAs and Business Advisors, 111 Veterans Memorial Blvd., Suite 600,Metairie, LA 70005-4958.

 

5
 

Item 6 MANAGEMENT’S DISCUSSION AND ANALYSIS

 

The following discussion and analysis is intended to provide a better understanding of the consolidated financial condition and results of operations of BOL Bancshares, Inc. (the “Company”) and its bank subsidiary, (the “Bank”) for the years ended December 31, 2011, 2010, and 2009. This discussion and analysis should be read in conjunction with the consolidated financial statements, related notes, and selected financial data appearing elsewhere in this report.

 

This discussion may contain certain forward-looking statements, which are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Such statements are subject to certain risks and uncertainties that could cause actual results to differ materially from those stated. Readers are cautioned not to place undue reliance on these forward-looking statements.

 

Quantitative and Qualitative Disclosures about Market Risk, Catastrophic Events, and Future Growth

 

Management considers interest rate risk to be a market risk that could have a significant effect on the financial condition of the Company. Additional risks and uncertainties not currently known to us or that we currently deem to be immaterial also may materially adversely affect our business, financial condition, and/or operating results. Difficult conditions in the financial services markets may materially and adversely affect the business and results of operations of the Bank and the Company.

 

Dramatic declines in the housing market during the past years, along with falling home prices and increasing foreclosures and unemployment, have resulted in significant write downs of asset values by financial institutions, including government-sponsored entities and major commercial and investment banks. These write-downs, initially of mortgage-backed securities by spreading to credit default swaps and other derivative securities, have caused many financial institutions to seek additional capital, to merge with larger and stronger institutions, and, in some cases, to fail. Many lenders and institutional investors have reduced, and in some cases, ceased to provide funding to borrowers, including other financial institutions. This market turmoil and tightening of credit have led to an increased level of commercial and consumer delinquencies, lack of consumer confidence, increased market volatility, and widespread reduction of business activity generally, which could have a material adverse effect on our business and operations. A worsening of these conditions would likely exacerbate any adverse effects of these difficult market conditions on us and others in the financial institutions industry. As a rule however, the majority of small community banks, such as Bank of Louisiana, have strong reserve positions and are well capitalized.

 

The occurrence of catastrophic events such as hurricanes, tropical storms, earthquakes, windstorms, floods, severe winter weather, fires and other catastrophes could adversely affect our consolidated financial condition or results of operations. Unpredictable natural and other disasters could have an adverse effect on us in that such events could materially disrupt our operations or the ability or willingness of our customers to access financial services offered by us. The incidence and severity of catastrophic events could nevertheless reduce our earnings and cause volatility in our financial results for any fiscal quarter or year and have a material adverse effect on our financial condition or results of operation.

 

The Company is a customer-focused organization. Future growth is expected to be driven in a large part by the relationships maintained with customers. While the Company has assembled an experienced management team, and has management development plans in place, the unexpected loss of key employees could have a material adverse effect on the Company’s business and may result in lower revenues.

 

Overview

 

The Company provides a full range of quality financial services in selected market areas. As of December 31, 2011, the Company’s total assets were $91,717,000 as compared to $94,340,000 at December 31, 2010.

 

6
 

Loans comprise the largest single component of the Bank’s interest-earning assets and provide a far more favorable return than other categories of earnings assets. The Bank’s loans totaled $54,381,000, and $60,201,000 net of unearned discount, deferred loan fees, and Allowance for Loan Losses at December 31, 2011, and 2010, respectively. The Bank’s net interest margin was 6.64% for the year ended December 31, 2011 as compared to 6.87% for the year ended December 31, 2010.

 

Historically, credit card loans have been an important part of the Bank’s total loan portfolio. However, the Bank has been diversifying its earning assets into commercial and installment loans. At December 31, 2011, credit card loans were $6,039,000 and represented 11.10% of the Bank’s net loan portfolio of $54,381,000. At December 31, 2010, credit card loans were $6,321,000 and represented 10.49% of the Bank’s loan portfolio of $60,201,000.

 

The Bank’s current strategy is to continue to grow its traditional banking operations primarily in the metropolitan New Orleans area and to expand its proprietary accounts, so long as it can maintain the minimum required Tier 1 leverage ratio required. The Bank focuses on providing its customers with the financial sophistication and breadth of products of a regional bank while successfully retaining the local appeal and level of service of a community bank.

 

Results of Operations

 

Net Income - December 31, 2011 Compared to December 31, 2010.

 

The Company’s net income for the year 2011 was $74,000, or $0.42 per share, a decrease of $225,000, or a decrease of $1.25 per share from the Company’s net income of $299,000 in 2010.

 

Net interest income which is total interest income (including fees) less total interest expense was $5,366,000 in 2011 compared to $5,619,000 in 2010.

 

Interest on earning assets decreased $275,000 from $6,067,000 in 2010 to $5,792,000 in 2011. Interest income on investment securities decreased $7,000 from $15,000 earned in 2010 to $8,000 in 2011. This interest decrease was due to the average amount invested in securities from $2,036,000 in 2010 down to $913,000 in 2011. Interest income generated by the loan portfolio decreased a total of $244,000 from $5,976,000 in 2010 to $5,732,000 in 2011, due to a decrease in the decrease in rates charged from 9.77% in 2010 to 9.66% charged in 2011. Federal funds interest income decreased by $3,000 and interest income earned on certificates of deposit decreased by $21,000 due to falling average rates from 1.17% in 2010 to 0.77% in 2011.

 

Interest expense on deposits decreased $21,000 from $373,000 in 2010 to $352,000 in 2011. This decrease resulted primarily from a decrease in the average rates paid on deposits from an average rate of 0.78% in 2010 to 0.74% in 2011, even with an increase in the average balance of interest bearing deposits from $46,936,000 in 2010 to $47,821,000 in 2011.

 

The provision for loan losses decreased $225,000 from $305,000 in 2010 to $80,000 in 2011. In 2011 Personal loans ended with a net charge-off of $2,727; Real Estate loans had a net recovery of $39,206; Commercial loans had a charge-off of $15,959; Overdrafts had a net charge-off of $5,514, and Credit cards with a net charge-off of $94,945.

 

Non-interest income decreased $471,000 from $1,486,000 in 2010 to $1,015,000 in 2011. This decrease was due to decreases in gains on sale of ORE, which amounted to $395,000 in 2010 and $16,000 for 2011, and a decrease of $11,000 in Service Charges, Membership fees and Other commissions and fees, a decrease in Cardholder & Other Credit Card Income of $16,000, and a decrease in other income of $73,000. These decreases were offset by an increase in rental income from Other Real Estate of $9,000.

 

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Non-interest expense decreased $389,000. The major components were a decrease of $243,000 in Salaries and Employee Benefits, due primarily in the reduction of salaries and part-time wages, a decrease in Occupancy Expense of $143,000 due primarily to lower depreciation taken on equipment, a decrease in Outsourcing Fees of $21,000 and a decrease in ORE Expense of $78,000. The primary offset to the decreases were increases in Communications of $11,000, Loan & Credit Card Expense of $3,000, Professional fees of $18,000 and an increase in Other Operating Expense of $64,000.

 

The Company recognized income tax expense of $38,000 for 2011, as compared to an income tax benefit of $76,000 for 2010. The income tax benefit for 2010 was a result of an increase in the Company’s dividend received deduction, as well as adjustments to the Company’s current and deferred income tax liability accounts.

 

Net Income - December 31, 2010 Compared to December 31, 2009

 

The Company’s net income for the year 2010 was $299,000 or $1.67 per share, an increase of $164,000, or an increase of $0.92 per share from the Company’s net income of $135,000 in 2009.

 

Net interest income which is total interest income (including fees) less total interest expense was $5,619,000 in 2010 compared to $5,627,000 in 2009.

 

Interest on earning assets decreased $44,000 from $6,111,000 in 2009 to $6,067,000 in 2010. Interest income on investment securities decreased $19,000 from $34,000 earned in 2009 to $15,000 in 2010. This interest decrease was due to the yields derived on security investments falling from an average of 1.35% received in 2009 to an average interest rate of 0.72% in 2010. In addition, due to the falling rates, the Bank reduced the average amount invested in securities from $2,510,000 in 2009 down to $2,036,000 in 2010, until such time as the market improves. Interest income generated by the loan portfolio decreased a total of $18,000 from $5,994,000 in 2009 to $5,976,000 in 2010, due to the decrease in rates charged from 10.09% in 2009 to 9.77% charged in 2010. Federal funds interest income decreased by $5,000 and interest income on certificates of deposit decreased by $3,000.

 

Interest expense on deposits decreased $18,000 from $391,000 in 2009 to $373,000 in 2010. This decrease resulted primarily from a decrease in the average rates paid on deposits from an average rate of 0.87% in 2009 to 0.78% in 2010, even with an increase in the average balance of interest bearing deposits from $44,654,000 in 2009 to $44,936,000 in 2010.

 

The provision for loan losses decreased $231,000 from $536,000 in 2009 to $305,000 in 2010. In 2010 Personal loans ended with a net charge-off of $7,000, Real Estate loans had a net charge-off of $3,000, Commercial loans had a net recovery of $25,000, Overdrafts had a net charge-off of $14,000 and Credit cards with a net charge-off of $306,000.

 

Non-interest income decreased $503,000 from $1,989,000 in 2009 to $1,486,000 in 2010. This decrease was due to a mix of a decrease in Other income of $929,000 due primarily to Katrina insurance proceeds remaining and taken into income in 2009 and a decrease of $15,000 in Cardholder income, Membership fees and Other commissions and fees. The overall decrease was offset by an increase in Service charges on deposit accounts of $50,000 and a net increase of $385,000 on income from ORE pertaining to the sale of three lots on Morrison Road.

 

Non-interest expense decreased $291,000 from 2009 to 2010. The major components were a decrease of $150,000 in Salaries and Employee Benefits, a decrease in Insurance and Assessments of $44,000, and a decrease in Other operating expenses of $364,000. The primary offset to the decreases were an increase in the maintenance, repairs and upkeep of ORE properties of $203,000, an increase in Professional fees of $30,000, an increase in Outsourcing fees of $30,000, and an increase in Occupancy expense of $20,000.

 

The Company recognized an income tax benefit of $76,000 for 2010, as compared to income tax expense of $77,000 for 2009. The income tax benefit for 2010 was a result of an increase in the Company’s dividend received deduction, as well as adjustments to the Company’s current and deferred income tax liability accounts.

 

8
 

The following table shows interest income on earning assets and related average yields, as well as interest expense on interest bearing liabilities and related average rates paid for the years 2011, 2010 and 2009.

 

TABLE 1 Average Balances, Interests and Yields

 

Average Balances, Interests and Yields              
  2011 2010 2009
  Average   Yield/ Average   Yield/ Average   Yield/
(Dollars in Thousands) Balance Interest Rate Balance Interest Rate Balance Interest Rate
                   
ASSETS                  
INTEREST-EARNING ASSETS:                  
Loans, net of Unearned income (1)(2) 59,318 5,732 9.66% 61,173 5,976 9.77% 59,382 5,994 10.09%
Certificates of Deposits 4,417 34 0.77% 4,672 55 1.17% 4,294 58 1.35%
Investment securities 913 8 0.85% 2,036 15 0.72% 2,510 34 1.35%
Federal funds sold 16,170 17 0.11% 13,915 20 0.14% 16,677 25 0.15%
  Total Interest-Earning Assets 80,817 5,792 7.17% 81,797 6,066 7.42% 82,863 6,111 7.37%
                   
Cash and due from banks 2,915     2,950     3,021    
Allowance for loan Losses (1,799)     (1,797)     (1,794)    
Premises and equipment 5,763     6,003     6,332    
Other Real Estate 3,833     2,812     1,398    
Other assets 1,047     1,280     1,071    
  TOTAL ASSETS 92,575     93,045     92,893    
                   
LIABILITIES AND SHAREHOLDERS' EQUITY                  
INTEREST-BEARING LIABILITIES:                  
Deposits:                  
 Demand Deposits 14,950 57 0.38% 15,402 89 0.58% 13,649 75 0.55%
 Savings deposits 19,954 70 0.35% 20,753 75 0.36% 21,441 79 0.37%
 Time deposits 12,917 225 1.74% 10,781 209 1.94% 9,564 238 2.49%
  Total Int-Bearing Deposits 47,821 352 0.74% 46,936 373 0.78% 44,654 391 0.87%
                   
Long-Term debt 1,144 74 6.50% 1,144 74 6.45% 1,410 94 6.65%
  Total Interest-Bearing Liabilities 48,966 426 0.87% 48,080 447 0.93% 46,065 484 1.05%
                   
Non-interest-bearing deposits 30,735     32,274     33,967    
Other liabilities 953     911     1,270    
Shareholders' equity 11,921     11,779     11,591    
TOTAL LIABILITIES AND                  
  SHAREHOLDERS' EQUITY 92,575     93,045     92,893    
Net Interest Income   5,366     5,619     5,627  
Net Interest Spread     6.30%     6.49%     6.32%
Net Interest Margin     6.64%     6.87%     6.79%
(1) Fee income relating to loans of $347,000 in 2011, $343,000 in 2010 and $374,000 in 2009 is included in interest income.
(2) Non-accrual loans are included in average balances and income on such loans, if recognized, is recognized on the cash basis.

 

9
 

The below table presents changes in interest income and interest expense, and distinguishes between the changes related to increases or decreases in average outstanding balances of interest-earning assets and interest-bearing liabilities (volume), and the changes related to increases or decreases in average interest rates on such assets and liabilities (rate) for the years ended December 31.

 

Table 2 Rate/Volume Analyses (1)

 

  2011 vs 2010 Increase(Decrease) 2010 vs 2009 Increase(Decrease)
             
  Due to Change in:   Due to Change in:  
(Dollars in Thousands) Rate Volume Total Rate Volume Total
             
Net Loans (62) (181) (244) (198) 181 (18)
Cert of Deposits (17) (3) (21) (8) 5 (3)
Investment Securities 2 (9) (7) (15) (4) (19)
Federal Funds Sold (6) 3 (3) (1) (4) (5)
  Total Interest Income (82) (185) (274) (226) 175 (45)
             
Deposits:            
 Demand Deposits (29) (3) (32) 3 10 13
 Savings Deposits (2) (3) (5) (1) (3) (4)
 Time Deposits (26) 41 16 (59) 30 (29)
  Total Int-Bearing Dep (56) 36 (21) (58) 38 (20)
Long-Term Debt 1 0 0 (3) (18) (21)
  Total Interest Expense (56) 35 (21) (60) 20 (41)
Change in net interest income (27) (221) (253) (166) 156 (4)

 

Interest Sensitivity Gap Analysis

 

The major elements management utilizes monthly to manage interest rate risk include the mix of fixed and variable rate assets and liabilities and the maturity pattern of assets and liabilities. It is the Bank’s policy not to invest in derivatives in the ordinary course of business. The Bank performs a quarterly review of assets and liabilities that reprice and the time bands within which the repricing occurs. Balances are reported in the time band that corresponds to the instruments’ next repricing date or contractual maturity, whichever occurs first. Through such analysis, the Bank monitors and manages its interest sensitivity gap to minimize the effects of changing interest rates.

 

The interest rate sensitivity structure within the Company’s balance sheet at December 31, 2011, has a net interest sensitive asset gap of 23.37% when projecting out one year. In the near term, defined as 90 days, the Company currently has a net interest sensitive liability gap of -1.46%. The information represents a general indication of repricing characteristics over time; however, the sensitivity of certain deposit products may vary during extreme swings in the interest rate cycle. Since all interest rates and yields do not adjust at the same velocity, the interest rate sensitivity gap is only a general indicator of the potential effects of interest rate changes on net interest income.

 

10
 

The following table illustrates the Bank’s interest rate sensitivity analysis at December 31, 2011, as well as the cumulative position at December 31, 2011:

 

TABLE 3 Asset/Liability and Gap Analysis

 

Interest Rate Sensitivity Analysis

 

  December 31, 2011      
  1-30 31-60 61-90 91-365 1 Year- Over  
  Days Days Days Days 5 Years 5 Years Total
(Dollars in Thousands)              
               
Earning Assets              
Securities-HTM - - - - - - -
Securities - AFS - - - - - 1,037 1,037
Loans 10,493 4,038 3,485 25,112 11,009 244 54,381
Cert of Deposits 1,240 248 - 2,470 1,500 - 5,458
Federal Funds sold 16,150 - - - - - 16,150
               
Total Earning Assets 27,883 4,286 3,485 27,582 12,509 1,281 77,026
               
Non Earning Assets - - - - - 14,691 14,691
               
TOTAL ASSETS 27,883 4,286 3,485 27,582 12,509 15,972 91,717
               
Interest-Bearing Liabilities              
               
Savings & Now accounts 30,948 - - - - - 30,948
Money market 3,509 - - - - - 3,509
CD's < $100,000 573 689 244 3,966 4,580 - 10,052
CD's > $100,000 484 304 - 1,064 593 - 2,445
               
Total Interest-              
Bearing Liabilities 35,514 993 244 5,030 5,173 - 46,954
Non-Costing Liabilities & Equity 264 - - - 1,000 43,499 44,763
               
TOTAL LIABILITIES AND EQUITY 35,778 993 244 5,030 6,173 43,499 91,717
               
Interest Sensitivity Gap (7,631) 3,293 3,241 22,552 7,336 1,281 30,072
Cumulative Gap (7,631) (4,338) (1,097) 21,455 28,791 30,072  
Cumulative Gap/              
 Total Assets -8.32% -4.73% -1.20% 23.39% 31.39% 32.79%  

 

 

11
 

Provision for Loan Losses

 

Management’s policy is to maintain the allowance for possible loan losses at a level sufficient to absorb estimated losses inherent in the loan portfolio. The allowance is increased by the provision for loan losses and decreased by charge-offs, net of recoveries. Management’s evaluation process to determine losses includes consideration of the industry, specific conditions of individual borrowers, historical loan loss experience, and the general economic environment. As these factors change, the level of loan loss provision changes.

 

At December 31, 2011 and December 31, 2010 the allowance for possible loan losses was $1,800,000. In 2011, the provision for loan losses was $80,000 compared to $305,000 in 2010. Net charge-offs were $80,000 in 2011 compared to $305,000 in 2010. Based on the volume of credit card charges and payments, the credit card portfolio turns over every eight to nine months, requiring a provision to loan loss allowance less than annual charge-offs due to recoveries being contemporaneously made.

 

TABLE 4 Allowance for Loan Losses

 

   2011   2010 
   (Dollars in Thousands) 
         
Balance at beginning of period  $1,800   $1,800 
Charge-Offs:          
  Commercial   16    0 
  Real estate   19    4 
  Personal and Overdrafts   13    23 
  Credit Cards   223    477 
Total Charge-offs   271    505 
Recoveries:          
  Commercial   0    25 
  Real estate   58    1 
  Consumer   5    2 
  Credit Cards   128    171 
Total Recoveries   191    200 
Net charge-offs   80    305 
Provision for loan losses   80    305 
           
Balance at end of period  $1,800   $1,800 
Ratio of net charge-offs during period to average loans outstanding   0.13%   0.50%
Allowance for possible loan losses as a percentage of loans   3.20%   2.90%

 

Non-interest Income

 

An important source of the Company’s revenue is derived from non-interest income.

 

For the year 2011 non-interest income decreased $471,000. This decrease was due primarily to a decrease in gains on the sale of Other Real Estate, which amounted to $395,000 in 2010 and $16,000 in 2011. Other decreases included an $11,000 decrease in Service Charges, Membership Fees and Other commissions and fees, a decrease in Cardholder & Other Credit Card Income of $16,000, and a decrease in other income of $73,000. These decreases were offset by an increase in rental income from Other Real Estate of $9,000.

 

Non-interest income decreased $503,000 from $1,989,000 in 2009 to $1,486,000 in 2010. This decrease was due to a mix of a decrease in Other income of $929,000 due primarily to Katrina insurance proceeds remaining and taken into income in 2009 and a decrease of $15,000 in Cardholder income, Membership fees and Other commissions and fees. The overall decrease was offset by an increase in Service charges on deposit accounts of $50,000 and a net increase of $385,000 on income from ORE pertaining to the sale of three lots on Morrison Road.

 

12
 

The following table sets forth the major components of non-interest income for the last two years.

 

TABLE 5 Non-interest Income

 

   December 31,     
   2011   2010   $ Change 
   (Dollars in Thousands) 
             
Service Charges   186    214    (28)
NSF Charges   259    253    6 
Gain on Sale of Securities   0    0    0 
Cardholder & Other Cr Card Inc   413    428    (15)
Other Comm. & Fees   69    58    11 
ORE Income   9    0    9 
Gain on Sale of ORE   15    395    (380)
Gain on Insurance Settlement   0    0    0 
Other Income   65    138    (73)
                
  Total Non-interest Income  $1,015   $1,486   ($471)

 

Non-interest Expense

 

The major categories of non-interest expense include salaries and employee benefits, occupancy and equipment expenses and other operating costs associated with the day-to-day operations of the Company.

 

For the year 2011 non-interest expense decreased $389,000. The major components were a decrease of $243,000 in Salaries and Employee Benefits due mainly to a reduction in salaries and part-time wages, a decrease in Occupancy Expense of $143,000 due to lower depreciation expenses on equipment, a decrease in Outsourcing Fees of $21,000, a decrease in ORE Expenses of $78,000. The primary offset to the decreases were an increase in Loan & Credit Card Expense of $3,000, Communications of $11,000, Stationery, Forms & Supply of $5,000, Professional fees of $18,000, Insurance & Assessments of $21,000, Advertising Expense of $1,000, Miscellaneous Losses of $3,000, Promotional Expenses of $1,000, and Other Expenses of $35,000.

 

For the year 2010 non-interest expense decrease $291,000. The major components were a decrease of $150,000 in Salaries and Employee Benefits, a decrease in Insurance and Assessments of $44,000, a decrease in other operating expenses of $364,000. The primary offset to the decreases were an increase in maintenance, repairs and upkeep of ORE properties of $203,000, an increase in Professional fees of $30,000, an increase in Outsourcing fees of $30,000, and an increase in Occupancy expense of $20,000.

 

13
 

The following table sets forth the major components of non-interest expense for the last two years:

 

TABLE 6 Non-interest Expenses

 

   December 31,     
   2011   2010   $ Change 
   (Dollars in Thousands) 
             
Salaries & Benefits   2,372    2,615    (243)
Occupancy Expense   917    1,060    (143)
Estimated Loss (Recovery) Contingency   0    0    0 
Loan & Credit Card Expense   119    116    3 
Communications   227    216    11 
Outsourcing Fees   1,331    1,352    (21)
Stationery, Forms & Supply   89    84    5 
Professional Fees   305    287    18 
Insurance & Assessments   202    181    21 
Advertising Expense   12    11    1 
Misc. Losses   0    3    (3)
Promotional Expenses   58    57    1 
ORE Expenses   258    335    (77)
Other Operating Expense   297    260    37 
  Total Non-interest Expense  $6,188   $6,577   ($389)

 

Provision for Income Taxes

 

The Company recognized an income tax liability of $ 38,000 for 2011, as compared to an income tax benefit of $76,000 for 2010.

 

Financial Condition

 

The Bank manages its assets and liabilities to maximize long-term earnings opportunities while maintaining the integrity of its financial position and the quality of earnings. To accomplish this objective, management strives to effect efficient management of interest rate risk and liquidity needs. The primary objectives of interest-sensitivity management are to minimize the effect of interest rate changes on the net interest margin and to manage the exposure to risk while maintaining net interest income at acceptable levels. Liquidity is provided by carefully structuring the balance sheet. The Bank’s asset liability committee meets regularly to review both the interest rate sensitivity position and liquidity.

 

Liquidity

 

The purpose of liquidity management is to ensure that there is sufficient cash flow to satisfy demands for credit, deposit withdrawals, and other corporate needs. Traditional sources of liquidity include asset maturities and growth in core deposits. These are sources of liquidity that the Bank has not fully utilized. The Bank, nevertheless, has maintained adequate liquidity through the sale of federal funds. Traditionally, liquidity sources for the Bank are generated from operating activities and financing activities.

 

Net cash from operating activities primarily results from net income adjusted for the following non-cash items: the provision for loan losses; depreciation and amortization; fair value adjustments on foreclosed property; and deferred income taxes or benefits.

 

Significant financing activities generally include core deposits, securities sold under agreements to repurchase, and long-term debt. The Bank anticipates capital needs will be met from the growth in retained earnings.

 

14
 

During 2011, deposits decreased $2,897,000, or 3.60%, from $80,577,000 at December 31, 2010 to $77,680,000 at December 31, 2011. Short term investments and other marketable assets increased, resulting in a slight increase in liquidity.

 

The Bank has unused sources of liquidity in the form of unused federal funds lines of $4,400,000 from a correspondent bank, and borrowing availability from the FRB discount window equal to the Bank’s principal amount of unpledged investment securities. The Bank manages asset and liability growth through pricing strategies within regulatory capital constraints. Management believes that its core deposit strength minimizes the risk of deposit runoff.

 

Loans

 

The loan portfolio is the largest category of the Bank’s earning assets. The following table summarizes the composition of the loan portfolio for the last two years:

 

TABLE 7 Loans Net by Category

 

   December 31,   December 31, 
   2011   2010 
Real Estate Mortgages:          
Residential 1-4 Family  $21,157   $19,541 
Commercial   15,787    20,282 
Construction   6,399    9,023 
Second Mortgages   820    949 
Other   1,611    1,725 
    45,774    51,520 
           
Commercial   2,702    2,726 
Personal   1,496    1,191 
Credit Cards   6,039    6,321 
Overdrafts   210    277 
    56,221    62,036 
           
Allowance for Loan Losses   1,800    1,800 
Deferred Loan Fees   40    36 
           
Net Loans  $54,381   $60,200 

 

At December 31, 2011 total loans outstanding were $56,221,000 and $62,036,000 at December 31, 2010. Average total loans during 2011 decreased $1,855,000, or 3.03%, to $59,318,000 from $61,173,000 at December 31, 2010.

 

The Bank experienced a decrease of $5,746,000 in real estate loans from $51,520,000 in 2010 to $45,774,000 in 2011 along with slight decreases in all the other categories and only consumer loans showing a slight increase.

 

15
 

The following table shows the maturity distribution and interest rate sensitivity of the Bank’s loan portfolio at December 31, 2011:

 

TABLE 8 Loan Maturity and Interest Rate Sensitivity

 

   December 31, 2011 
       Maturing         
   Within   One To   Over     
   One Year   5 Years   5 Years   Total 
       (Dollars in Thousands) 
Loan Maturity by Type                    
Real estate construction, land & land dev.   36,479    8,724    571    45,775 
Commercial, financial & agricultural   2,584    118    0    2,702 
All other loans   1,563    6,182    0    7,744 
   Total  $40,625   $15,024   $571   $56,221 
                     
Rate Sensitivity of Loans                    
Loans:                    
 Fixed rate loans   38,609    15,024    571    54,204 
 Variable rate loans   721    0    0    721 
 Non-Accrual Loans   1,295    0    0    1,295 
   Total  $40,625   $15,024   $571   $56,221 

 

As of December 31, 2011 and 2010, the Bank’s recorded investment in loans that are considered impaired, which consists of substandard loans, non-accrual loans and restructured loans (TDRs), totaled $4,184,000 and $5,072,000, respectively.

 

Non-performing Assets

 

Non-performing assets consist of non-accrual and restructured loans and other real estate owned. Non-accrual loans are loans on which the interest accruals have been discontinued when it appears that future collection of principal or interest according to the contractual terms may be doubtful. Interest on these loans is reported on the cash basis as received when the full recovery of principal is anticipated or after full principal has been recovered when collection of interest is in question. Restructured loans are those loans whose terms have been modified, because of economic or legal reasons related to the debtors’ financial difficulties, to provide for a reduction in principal, change in terms, or fixing of interest rates at below market levels. Other real estate owned is real property acquired by foreclosure or deed taken in lieu of foreclosure.

 

Non-performing assets at December 31, 2011 were $8,581,000 and $5,413,000 at December 31, 2010. During 2011, non-accrual loans decreased by $981,000 and other real estate owned increased $1,460,000 due to foreclosure on loans which defaulted. At December 31, 2011 restructured loans totaled $2,688,000.

 

The ratio of past due loans, exclusive of non-accrual loans, to total loans has increased from 3.05% at December 31, 2010 to 4.80% at December 31, 2011. During that time, the Bank increased its ratio of non-performing assets to loans and other real estate owned from 8.31% at December 31, 2010, to 14.11% at December 31, 2011. The allowance for possible loan losses as a percent of net period-end loans increased to 3.31% at December 31, 2011, compared to 2.99% at December 31, 2010. Management believes the allowance for possible loan losses is adequate to provide for losses inherent in the loan portfolio.

 

16
 

When a loan is classified as non-accrual, previously accrued interest is reversed and interest income is decreased to the extent of all interest accrued in the current year. If any portion of the accrued interest had been accrued in the previous years, accrued interest is decreased and a charge for that amount is made to the allowance for possible loan losses. The gross amount of interest income that would have been recorded on non-accrual loans, if all such loans had been accruing interest at the original contract rate, at December 31, 2011 was $125,000 compared to $222,000 at December 31, 2010.

 

TABLE 9 Non-performing Assets

 

   December 31, 
   2011   2010 
(Dollars in Thousands)        
         
Non-accrual Loans   1,295    2,276 
Restructured Loans   2,688    0 
Other Real Estate Owned   4,597    3,137 
  Total Non-performing Assets  $8,581   $5,413 
Loans past due 90 days or more and accruing   2,699    1,895 
Ratio of loans past due 90 days or more and accruing to gross loans   4.80%    3.05% 
Ratio of non-performing assets to total assets   9.36%    5.74% 

 

Allocation of Allowance for Possible Loan Losses

 

Allocation of the allowance for loan losses is based primarily on previous credit loss experience, adjusted for changes in the risk characteristics of each category. Additional amounts are allocated based on the evaluation of the loss potential of individual troubled loans and the anticipated effect of economic conditions on both individual loans and loan categories. Since the allocation is based on estimates and subjective judgment, it is not necessarily indicative of the specific amounts of loan categories in which losses may ultimately occur.

 

Approved credit card accounts are reviewed on a monthly basis to assure compliance with the Bank’s credit policy. Review procedures include determination that the appropriate verification process has been completed, recalculation of the borrower’s debt ratio, and analyses of the borrower’s credit history to determine if it meets established Bank criteria. Policy exceptions are carefully analyzed monthly. Delinquent accounts are monitored daily and charged off before 180 days, which is the industry standard. Prior to charge-off, interest on credit card loans continue to accrue. A monthly provision for credit card losses is included in the Bank’s overall provision for loan losses.

 

Table 10 Allocation of Allowance for Possible Loan Losses

 

      December 31, 2011   December 31, 2010
      Allowance % *   Allowance % *
      (Dollars in Thousands)
Non-accrual loans     145 2.30%   255 3.67%
Substandard/Impaired/Doubtful   1,182 8.78%   1,042 4.02%
Construction loans     - 0.00%   - 0.00%
Commercial, financial and agricultural     73 65.25%   89 71.68%
Consumer loans     37 12.55%   15 9.99%
Credit Cards     352 10.74%   368 10.19%
Overdrafts     11 0.37%   31 0.45%
     Total     1,800     1,800  

 

* Percentage of respective loan type to total loans. 

 

 

17
 

Investment Securities

 

The Company’s investment portfolio policy is to maximize income consistent with liquidity, asset quality, regulatory constraints, and asset/liability objectives. The Bank’s Board of Directors reviews such policy not less than annually. The levels of taxable and tax-exempt securities and short-term investments reflect the Company’s strategy of maximizing portfolio yields while providing for liquidity needs. Investment securities totaled $1,037,000 at December 31, 2011, and $878,000 at December 31, 2010. In addition, the Company had certificates of deposit with other institutions totaling $5,458,000 and $4,203,000 at December 31, 2011 and 2010, respectively. The average maturity of certificates of deposit held with other institutions was one year or less at December 31, 2011. At year-end 2011 and 2010, all of the Company’s investment securities were classified as available-for-sale. The gross unrealized holding gains on these securities at December 31, 2011 were $735,000 and $576,000 at December 31, 2010.

 

There were no investments and no obligations of any one state or municipality at December 31, 2011, or 2010.

 

At December 31, 2011, and 2010 the Bank had no U.S. Treasury securities or obligations of U. S. government corporations or federal agencies, as available for sale.

 

The following table sets forth the carrying and approximate market values of investment securities for the last two years:

 

TABLE 11 Investment Securities

 

    December 31,
    2011 2010
    Amortized Fair Amortized Fair
    Cost Value Cost Value
    (Dollars in Thousands)
           
Other investments   $302 $1,037 $302 $878
    Total   $302 $1,037 $302 $878

 

Below is a table of equity securities at fair value that are included in Investment Securities at December 31, 2011 (dollars in thousands):

 

TABLE 12 Other Securities

 

Other Securities   Fair Value
     
Mississippi River Bank   893
Liberty Financial Services, Inc.   113
Business Resource Capital   20
MasterCard International   11
     
 Total Other Securities   $1,037

 

Deposits

 

Total deposits at December 31, 2011 were $77,680,000 which represented a decrease of $2,897,000, or 3.60%, from $80,577,000 at December 31, 2010. During 2011, interest bearing deposits decreased by $1,756,000. Core deposits, the Bank’s largest source of funding, consist of all interest bearing and non-interest bearing deposits except certificates of deposits over $100,000. Core deposits are obtained from a broad range of customers. Average core deposits decreased $329,000, or .43%, to $75,827,000 from $76,156,000 in 2010. Average market rate core deposits, primarily CD’s of less than $100,000 and money market accounts, increased $2,379,000 from $11,630,000 in 2010 to $14,009,000 in 2011.

 

18
 

Non-interest bearing deposits are comprised of business accounts, including correspondent bank accounts, escrow deposits, as well as individual accounts. Average non-interest bearing demand deposits represented 40.53% of average core deposits in 2011 compared to 42.38% in 2010.

 

The average amount of, and average rate paid on deposits by category for the period shown are presented below:

 

TABLE 13 Selected Statistical Information

 

      December 31,
      2011 2010
      Average   Average  
      Amount Rate Amount Rate
      (Dollars in Thousands)
             
             
Non-interest-bearing Deposits     $30,735 N/A $32,274 N/A
Interest-bearing Demand Deposits     14,950 0.38% 15,402 0.58%
Savings Deposits     19,954 0.35% 20,753 0.36%
Time Deposits     12,917 1.74% 10,781 1.94%
   Total Average Deposits     $78,557   $79,210  

 

The composition of average deposits for the last two years is presented below:

 

TABLE 14 Deposit Composition

 

DEPOSIT COMPOSITION            
             
      December 31,
      2011 2010
      Average % Of Average % Of
      Balances Deposits Balances Deposits
      (Dollars in Thousands)
Demand, non-interest-bearing     30,735 39.12% 32,274 40.74%
NOW accounts     11,129 14.17% 11,499 14.52%
Money market deposit accounts     3,822 4.86% 3,903 4.93%
Savings accounts     19,954 25.40% 20,753 26.20%
Other time deposits     10,188 12.97% 7,726 9.75%
Total core deposits     75,827 96.53% 76,155 96.14%
Certificates of deposit of $100,000 or more     2,730 3.47% 3,055 3.86%
Total deposits     $78,557 100.00% $79,210 100.00%

 

 

19
 

The following table sets forth maturity distribution of Time Deposits of $100,000 or more for the past two years:

 

TABLE 15 Maturity Distribution of Time Deposits $100,000 or More

 

   December 31, 
   2011   2010 
   (Dollars in Thousands) 
         
Three months or less   1,043    798 
After three months through one year   2,253    1,606 
Over one year through three years   1,412    2,644 
Over three years   200    200 
           
   Total  $4,908   $5,248 

 

Other Assets and Other Liabilities

 

Other Assets decreased $349,000 in 2011, due primarily to the decrease in prepaid FDIC assessments. During 2009 the FDIC required institutions to prepay three years worth of assessments. Accounts receivable’s decrease from 2010 to 2011 is primarily due to a deposit made with Visa and Mastercard of $150,000 in 2010 to cover the day to day credit card settlement for Friday, December 31st in lieu of New Years Day that fell on a Saturday and the Federal Reserve Bank was open for business.

 

Other Liabilities had an increased of $99,000 in 2011. This increase was due primarily to an overall increase of Accrued Expenses of $114,000 and offset by a decrease of $10,000 in the Bank’s Blanket Bond Fund.

 

The following are summaries of other assets and other liabilities for the last two years:

 

TABLE 16 Other Assets & Other Liabilities

 

Other Assets  December 31, 
   2011   2010 
(Dollars in Thousands)        
         
Interest Receivable   267    254 
Prepaid Expenses   403    602 
Accounts Receivable   17    161 
Cash Surrender Value   156    167 
Other Assets   0    8 
  Total Other Assets  $843   $1,192 

 

Other Liabilities  December 31, 
   2011   2010 
(Dollars in Thousands)        
         
Accrued Expenses Payable   246    132 
Deferred Membership Fees   11    13 
Blanket Bond Fund   40    50 
Other Liabilities   73    76 
  Total Other Liabilities   370   $271 

 

20
 

Borrowings

 

The Company’s long-term debt is comprised primarily of debentures which will be due July 5, 2012 totaling $1,000,000. Each $500 debenture is secured by a pledge of 71.50 shares of the Bank’s stock.

 

The Bank has no long-term debt. It is the Bank’s policy to manage its liquidity so that there is no need to make unplanned sales of assets or to borrow funds under emergency conditions. The Bank maintains a Federal Funds line of credit in the amount of $4,400,000 with a correspondent bank. The Bank can borrow the amount of unpledged securities at the discount window at the Federal Reserve Bank by pledging those securities.

 

Shareholders’ Equity

 

Shareholders’ equity at December 31, 2011 was $11,941,000, an increase of $168,000, or 1.43%, from $11,773,000 at December 31, 2010, and amounted to 13.02% of total assets. Realized shareholders’ equity which includes preferred and common stock, capital in excess of par, and retained earnings increased $64,000, or 0.57%, to $11,323,000 at December 31, 2011 from $11,259,000 at December 31, 2010.

 

During 2011, the increase in shareholder’s equity was primarily attributable to net income of $74,000, partially offset by a decrease in Preferred Stock of $13,000, and an increase in capital in excess of par-retired Preferred Stock of $3,000. In addition, there was an increase in accumulated other comprehensive income, which is used to refer to revenues, expenses, gains, and losses that under generally accepted accounting principles are included in comprehensive income but are excluded from net income, in the amount of $105,000.

 

No dividends were paid on shares of Company Common Stock in 2011 or 2010.

 

The Company maintains an adequate capital position that exceeds all minimum regulatory capital requirements. The Company’s internal capital growth rate (net income less dividends declared as a percentage of total shareholders’ equity) for 2011 was 0.62% compared to 2.54% in 2010. The ratio of average shareholders’ equity to average assets was 12.88% and 12.66% in 2011 and 2010, respectively.

 

At December 31, 2011, the Company’s primary capital ratio as defined by the FRB was 13.32%, compared to 13.59% in 2010. The total capital ratio was 13.32% at December 31, 2011, and 13.59% in 2010, compared to the guidelines, which mandate a minimum primary capital ratio of 5.50% and total capital ratio of 6.00% for bank holding companies and banks.

 

The Bank’s leverage ratio (Tier 1 capital to total assets) at December 31, 2011, was 13.49% compared to 12.83% at December 31, 2010, which are compared to the minimum capital requirement of 4.00% for well-managed Banking organizations.

 

The Bank’s ratios are in excess of the regulatory requirements, as indicated in the Capital Adequacy schedule below:

 

  2011 2010
  Amount Percent Amount Percent
  (Dollars in Thousands)
Tier I capital        
  Actual 12,187 20.50% 12,096 18.58%
  Minimum 2,378 4.00% 2,603 4.00%
  Excess 9,809 16.50% 9,493 14.58%
Total risk-based capital        
  Actual 12,943 21.77% 12,922 19.85%
  Minimum 4,756 8.00% 5,207 8.00%
  Excess 8,187 13.77% 7,715 11.85%
Tier I capital leverage ratio        
  Actual 12,187 13.49% 12,096 12.83%
  Minimum 3,612 4.00% 3,771 4.00%
  Excess 8,575 9.49% 8,325 8.83%

 

21
 

Dividends that may be paid by the Bank to the Company are subject to certain regulatory limitations. Under Louisiana banking law, the approval of the OFI will be required if the total of all dividends declared in any calendar year by the Bank exceed the Bank’s net profits to date and retained net profits for the year in which such dividend is declared and the immediately preceding year, subject to maintenance of minimum required regulatory capital.

 

Supervision and Regulation Enforcement Action

 

Bank Holding Company Regulation

 

Federal

 

The Company is a bank holding company within the meaning of the BHC Act, and is registered with the FRB. It is required to file annual reports with the FRB and such additional information as the FRB may require pursuant to the BHC Act. The FRB may also perform periodic examinations of the Company and its subsidiaries. The following summary of the BHC Act and of the other acts described herein is qualified in its entirety by express reference to each of the particular acts.

 

The BHC Act requires every bank holding company to obtain the prior approval of the FRB before acquiring direct or indirect ownership or control of more than 5% of the voting shares of any bank which is already not majority owned by the Company. The BHC Act prohibits a bank holding company, with certain exceptions, from acquiring direct or indirect ownership or control of more than 5% of the outstanding voting shares of any company which is not a bank and from engaging in any business other than banking or furnishing services to or performing services for its subsidiaries. The 5% limitation is not applicable to ownership of shares in any company the activities of which the FRB has determined to be so closely related to banking or managing or controlling banks as to be a proper incident thereto. As set forth below, however, the Gramm-Leach-Bliley Financial Modernization Act of 1999, enacted on November 12, 1999, broadens the ability of a bank holding company to own or control companies other than banks.

 

Effective September 29, 1995, the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994 (the “Riegle-Neal Act”) allows the FRB to approve an application of an adequately capitalized and adequately managed bank holding company to acquire control of, or acquire all or substantially all of the assets of, a bank located in a state other than such holding company’s home state, without regard to whether the transaction is prohibited by the laws of any state. The FRB may not approve the acquisition of a bank that has not been in existence for the minimum time period (not exceeding five years) specified by the statutory law of the target bank’s state. The Riegle-Neal Act also prohibits the FRB from approving an application if the applicant (and its depository institution affiliates) controls or would control more than 10% of the insured deposits in the United States or 30% or more of the deposits in the target bank’s home state or in any state in which the target bank maintains a branch. The Riegle-Neal Act does not affect the authority of states to limit the percentage of total insured deposits in the state which may be held or controlled by a bank or bank holding company to the extent such limitation does not discriminate against out-of-state banks or bank holding companies. Individual states may also waive the 30% statewide concentration limit contained in the Riegle-Neal Act.

 

Additionally, the federal banking agencies are authorized to approve interstate merger transactions without regard to whether such transaction is prohibited by the law of any state, unless the home state of one of the banks has opted out of the Riegle-Neal Act by adopting a law after the date of enactment of the Riegle-Neal Act and prior to June 1, 1997, which applies equally to all out-of-state banks and expressly prohibits merger transactions involving out-of-state banks. Interstate acquisitions of branches are permitted only if the law of the state in which the branch is located permits such acquisitions. Interstate mergers and branch acquisitions are also subject to the nationwide and statewide insured deposit concentration amounts described above.

 

The Riegle-Neal Act authorizes the FDIC to approve interstate branching de novo by national and state banks, respectively, only in states that specifically allow for such branching. The Riegle-Neal Act also requires the appropriate federal banking agencies to prescribe regulations that prohibit any out-of-state bank from using the interstate branching authority primarily for the purpose of deposit production.

 

22
 

The Bank is an “affiliate” of the Company within the meaning of the Federal Reserve Act. This act places restrictions on a bank’s loans or extensions of credit to purchases of or investments in the securities of, and purchases of assets from an affiliate, a bank’s loans or extensions of credit to third parties collateralized by the securities or obligations of an affiliate, the issuance of guarantees, acceptances, and letters of credit on behalf of an affiliate, and certain bank transactions with an affiliate, or with respect to which an affiliate acts as agent, participates, or has a financial interest. Furthermore, a bank holding company and its subsidiaries are prohibited from engaging in certain tie-in arrangements in connection with any extension of credit, lease or sale of property or furnishings of services.

 

Under FRB policy, the Company is expected to act as a source of financial strength to its subsidiary bank and to commit resources to support its subsidiary. This support may be required at times when, absent such FRB policy, the Company may not be inclined to provide it. Under the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (“FIRREA”), a depository institution insured by the FDIC can be held liable for any loss incurred by, or reasonably expected to be incurred by, the FDIC after August 9, 1989 in connection with (a) the default of a commonly controlled FDIC-insured depository institution or (b) any assistance provided by the FDIC to any commonly controlled FDIC-insured depository institution “in danger of default.” “Default” is defined generally as the appointment of a conservator or receiver and “in danger of default” is defined generally as the existence of certain conditions indicating that a default is likely to occur in the absence of regulatory assistance. Under FDICIA (see discussion below) a bank holding company may be required to guarantee the capital plan of an undercapitalized depository institution. Any capital loans by a bank holding company to any of its subsidiary banks are subordinate in right of payment to deposits and to certain other indebtedness of such subsidiary bank. In the event of a bank holding company’s bankruptcy, any commitment by the bank holding company to a federal bank regulatory agency to maintain the capital of a subsidiary bank will be assumed by the bankruptcy trustee and entitled to a priority of payment.

 

Louisiana

 

Under the Louisiana Bank Holding Company Act of 1962, as amended (the “Louisiana BHC Act”), bank holding companies are authorized to operate in Louisiana provided the activities of the non bank subsidiaries thereof are limited to the ownership of real estate and improvements, computer services, equipment leasing, and other directly related banking activities. In addition, a bank holding company and its subsidiaries may not engage in any insurance activity in which a bank may not engage. The Commissioner of the OFI is authorized to administer the Louisiana BHC Act by the issuance of orders and regulations. At present, prior approval of the Commissioner would not be required for the formation and operation of a nonblank subsidiary of the Company if its activities meet the requirements of the Louisiana BHC Act.

 

Bank Regulation

 

The Bank is subject to examination and regulation by the FDIC. The Bank is chartered under the banking laws of the State of Louisiana and is subject to the supervision of, and regular examination by, the OFI. As an affiliate of the Bank, the Company is also subject to examination by the OFI. In addition, the deposits of the Bank are insured by the Deposit Insurance Fund (“DIF”) thereby rendering the Bank subject to the provisions of the Federal Deposit Insurance Act (“FDIA”) and, as a state nonmember bank, to supervision and examination by the FDIC. The FDIA requires the FDIC approval of any merger and/or consolidation by or with an insured bank, as well as the establishment or relocation of any bank or branch office. The FDIC also supervises compliance with the provisions of federal law and regulations that place restrictions on loans by FDIC-insured banks to their directors, executive officers, and other controlling persons.

 

In December 1991, a major banking bill entitled the Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) was enacted, which substantially revises the bank regulatory and funding provisions of the FDIA and makes revisions to several other federal banking statues. Among other things, the FDICIA requires the federal banking regulators to take “prompt corrective action” in respect of depository institutions that do not meet minimum capital requirements. The Bank has capital levels above the minimum requirements. In addition, an institution that is not well capitalized is generally prohibited form accepting brokered deposits and offering interest rates on deposits higher than the prevailing rate in its market and also may not be able to “pass through” insurance coverage for certain employee benefit accounts. The FDICIA also requires the holding company of any undercapitalized depository institution to guarantee, in part, certain aspects of such depository institution’s capital plan for such plan to be acceptable. The FDICIA contains numerous other provisions, including new account, audit and reporting requirements, termination of the “too big to fail” doctrine except in special cases, limitations on the FDIC’s payment of deposits at foreign branches, new regulatory standards in such areas as asset quality, earnings and compensation and revised regulatory standards for, among other things, powers of state banks, real estate lending and capital adequacy. The FDICIA also requires that a depository institution provide 90 days prior notice of the closing of any branches.

 

23
 

Furthermore, all banks are affected by the credit policies of other monetary authorities, including the FRB, which regulate the national supply of bank credit. Such regulation influences overall growth of bank loans, investments, and deposits and may also affect interest rates charged on loans and paid on deposits. The FRB’s monetary policies have had a significant effect on the operating results of commercial banks in the past, and the Company expects this trend to continue in the future.

 

Dividends

 

The FRB has issued a policy statement on the payment of cash dividends by bank holding companies. In the policy statement, the FRB expressed its view that a bank holding company experiencing earnings weaknesses should not pay cash dividends exceeding its net income or which could only be funded in ways that weaken the bank holding company’s financial health, such as by borrowing. Additionally, the FRB possesses enforcement powers over bank holding companies and their non-bank subsidiaries to prevent or remedy actions that represent unsafe or unsound practices or violations of applicable statues and regulations. Among these powers is the ability to prohibit or limit the payment of dividends by banks and bank holding companies.

 

In addition to the restrictions on dividends imposed by the FRB, Louisiana law also places limitations on the Company’s ability to pay dividends. For example, the Company may not pay dividends to its shareholders if, after giving effect to the dividend, the Company would not be able to pay its debts as they become due. Because a major source of the Company’s revenue is dividends that it receives and expects to receive from the Bank, the Company’s ability to pay dividends to its shareholders will depend on the amount of dividends paid by the Bank to the Company. The Company cannot be sure that the Bank will, in any circumstances, pay such dividends to the Company, as Louisiana banking law provides that a Louisiana bank may not pay dividends if it does not have, or will not have after the payment of such dividend, unimpaired surplus equal to 50% of the outstanding capital stock of the bank. In addition, OFI approval is required to declare or pay any dividend that would bring the total of all dividends paid in any one calendar year to an amount greater than the total of such bank’s net profits for such year combined with the net profits of the immediately preceding year.

 

Effect of Governmental Policies

 

The Company and the Bank are affected by the policies of regulatory authorities, including the FRB. An important function of the Federal Reserve System is to regulate the national money supply. Among the instruments of monetary policy used by the Federal Reserve are: purchases and sales of U.S. Government securities in the marketplace; changes in the discount rate, which is the rate any depository institution must pay to borrow from the Federal Reserve; and changes in the reserve requirements of depository institutions. These instruments are effective in influencing economic and monetary growth, interest rate levels, and inflation.

 

The monetary policies of the Federal Reserve and other governmental policies have had a significant effect on the operating results of commercial banks in the past and are expected to continue to do so in the future. Because of changing conditions in the national economy and in the financial markets, as well as the result of actions by monetary and fiscal authorities, it is not possible to predict with certainty future changes in interest rates, deposit levels, loan demand or the business and earnings of the Company or whether the changing economic conditions will have a positive or negative effect on operations and earnings.

 

24
 

Code of Ethics

 

The Company has adopted a code of ethics that applies to all directors, officers and employees that is designed to deter wrongdoing and promote the following:

 

1.)Honest and ethical conduct, including the ethical handling of actual or apparent conflicts of interest between personal and professional relationships;
2.)Full, fair, accurate, timely and understandable disclosure in reports and documents;
3.)Compliance with applicable governmental laws, rules and regulations;
4.)The prompt internal reporting of violations of the code to an appropriate person or persons identified in the code; and
5.)Accountability for adherence to the code.

 

A copy of the Company’s code of ethics may be obtained by writing to:

 

Bank of Louisiana

Accounting Department

300 St. Charles Avenue

New Orleans, LA 70130-3104

 

Community Reinvestment Act (CRA)

 

In connection with its lending activities, the Bank is subject to a variety of federal laws designed to protect borrowers and promote lending to various sectors of the economy and populations.

 

The CRA requires FDIC insured banks to define the assessment areas that they serve, identify the credit needs of those assessment areas and take actions that respond to the credit needs of the community. The FDIC must conduct regular CRA examinations of the Bank and assign it a CRA rating of “outstanding,” “satisfactory,” “needs improvement” or “unsatisfactory.” The Bank has received a “satisfactory“ rating from the FDIC.

 

Indemnification of Directors and Officers

 

The Board of Directors of the Bank of Louisiana, on June 8, 1988, adopted a resolution to amend the Articles of Incorporation of the Bank by adding a new Article VII as follows:

 

No director or officer of the corporation shall be personally liable to the corporation or its shareholder for monetary damages for breach of fiduciary duty as a director or officer, except for liability (i) for breach of the director’s or officer’s duty of loyalty to the corporation or its shareholders, (ii) for acts of omissions not in good faith or which involve intentional misconduct or a knowing violation of law, (iii) for any unlawful dividend or any other unlawful distribution, payment or return of assets made to shareholders, or (iv) for any transaction from which the director or officer derived an improper personal benefit.

 

Sarbanes-Oxley Act of 2002

 

The following is a brief summary of some of the provision of the Sarbanes-Oxley Act of 2002 (“SOX”) that affect the Company and the Bank. It is not intended as an exhaustive description of SOX or its impact on us.

 

SOX instituted or increased various requirements for corporate governance, board of director and audit committee composition and membership, board duties, auditing standards, external audit firm standards, additional disclosure requirements, including CEO and CFO certification of financial statements and related controls, and other new requirements.

 

Board of directors are now required to have a majority of independent directors, and audit committees are required to be wholly independent, with greater financial expertise. Such independent directors are not allowed to receive compensation from the company on whose board they serve except for directors’ fees. Additionally, requirements for auditing standards and independence of external auditors were increased and included independent audit partner review, audit partner rotation, and limitations over non-audit services. Penalties for non-compliance with existing and new requirements were established or increased.

 

25
 

In addition, Section 404 of SOX currently requires that by the end of 2006, our management perform a detailed assessment of internal controls and report thereon as follows:

 

1.We must state that we accept the responsibility for maintaining an adequate internal control structure and procedures for financial reporting
2.We must present an assessment, as of the end of each December 31 fiscal year, of the effectiveness of the internal control structure and procedure for our financial reporting, and
3.We must have our auditors attest to, and report on, as of the end of each December 31 fiscal year, the assessment made by management. The attestation must be made in accordance with standards for attestation engagements issued or adopted by the Public Company Accounting Oversight Board.

 

We have taken steps with respect to achieving compliance.

 

Financial Modernization Act

 

The Gramm-Leach-Bliley Act, (“GLB”) of 1999 permits bank holding companies meeting certain management, capital, and community reinvestment act standards to engage in a substantially broader range of non-banking activities than permitted previously, including insurance underwriting and merchant banking activities. This act repeals the provision of the Glass Steagall Act, thus permitting affiliations of banks with securities firms and registered investment companies. The act authorizes financial holding companies, which permits banks to be owned by or to own securities firms, insurance companies, and merchant banking companies. The act gives the FRB authority to regulate financial holding companies, but provides for functional regulation of subsidiary activities.

 

In addition, the GLB Act also provided significant new protections for the privacy of customer information that are applicable to the Company. Accordingly, we must (1) adopt and disclose a privacy policy; (2) give customers the right to prevent us from making disclosure of non-public financial information, subject to specified exceptions; and (3) follow regulatory standards to protect the security and confidentiality of customer information.

 

Temporary Liquidity Guarantee Program (“TLGP”)

 

On October 13, 2008, the FDIC announced the TLGP to strengthen confidence and encourage liquidity in the banking system. The TLGP consists of two components: a temporary guarantee of newly-issued senior unsecured debt (the Debt Guarantee Program) and a temporary unlimited guarantee of funds in non-interest-bearing transaction and regular checking accounts at FDIC-insured institutions (the Transaction Account Guarantee Program). The Bank chose not to participate in the program.

 

Troubled Asset Relief Program (“TARP”)

 

On October 14, 2008, the U.S. Department of Treasury announced the TARP Capital Purchase Program. The TARP Capital Purchase Program contemplates the U.S. Treasury purchasing senior preferred shares in qualified U.S. financial institutions. The program is intended to encourage participating financial institutions to build capital in order to increase the flow of financing to U.S. businesses and consumers and to support the U.S. economy. Companies participating in the program must accept standardized terms as outlined by the U.S. Treasury and must adopt the Treasury Department’s standards for executive compensation and corporate governance. Additionally, participants must agree to accept future program requirements as may be promulgated by the U.S. Congress and regulatory authorities. The Bank chose not to participate in TARP.

 

26
 

Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”)

 

On July 21, 2010, the Dodd-Frank Act was signed into law. The Dodd-Frank Act was intended primarily to overhaul the financial regulatory framework following the global financial crisis and has impacted, and will continue to impact, all financial institutions. The Dodd-Frank Act contains provisions that have, among other things, established a Consumer Financial Protection Bureau, established a systemic risk regulator, consolidated certain federal bank regulators and imposed increased corporate governance and executive compensation requirements. The Dodd-Frank Act requires various federal agencies to adopt a broad range of new implementing rules and regulations and to prepare numerous studies and reports for the U.S. Congress. The federal agencies are given significant discretion in drafting and implementing regulations. Although some of these regulations have been promulgated, many additional regulations are expected to be issued in 2012 and thereafter. Consequently, many of the details and much of the impact of the Dodd-Frank Act may not be known for many months or years.

 

Emergency Economic Stabilization of 2008 (“EESA”)

 

On October 3, 2008, the United States government passed the EESA, which provides the United States Department of the Treasury with broad authority to implement certain actions intended to help restore stability and liquidity to the U.S. financial markets.

 

Deposit Insurance

 

As part of the EESA, the basic limit on federal deposit insurance coverage was temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013 by the FDIC. As part of the Dodd-Frank Act, federal deposit insurance coverage was permanently raised to $250,000.

 

The FDIC imposed an additional assessment against institutions for deposit insurance. This assessment is based on the risk category of the institution and ranges from 5 to 43 basis points of the institution’s deposits. In December, 2008, the FDIC adopted a rule that raises the current deposit insurance assessment rates uniformly for all institutions by 7 basis points (to a range from 12 to 50 basis points) for the first quarter of 2009. The rule also gives the FDIC the authority to alter the way it calculates federal deposit insurance assessment rates to adjust for an institution’ risk beginning in the second quarter of 2009 and thereafter, and as necessary to implement emergency special assessments to maintain the deposit insurance fund.

 

 

27
 

Item 7 Financial Statements

 

 

 

 

BOL BANCSHARES, INC.

& SUBSIDIARY

 

December 31, 2011

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Audits of Consolidated Financial Statements

 

December 31, 2011

and

December 31, 2010

 

 

 

 

28
 

C O N T E N T S

 

 

 

Report of Independent Registered Public Accounting Firm 30
   
Consolidated Balance Sheets 31 - 32
   
Consolidated Statements of Income 33
   
Consolidated Statements of Comprehensive Income 34
   
Consolidated Statements of Changes in Stockholders' Equity 35
   
Consolidated Statements of Cash Flows 36- 37
   
Notes to Consolidated Financial Statements 38- 71
   
Report of Independent Registered Public Accounting Firm on Supplementary Information 72
   
Schedule I - Balance Sheets - Unconsolidated 73
   
Schedule II - Statements of Income - Unconsolidated 74
   
Schedule III - Statements of Changes in Stockholders' Equity - Unconsolidated 75

 

29
 

 

 

To the Board of Directors

BOL Bancshares, Inc. & Subsidiary

 

Report of Independent Registered Public Accounting Firm

 

We have audited the accompanying consolidated balance sheets of BOL BANCSHARES, INC. (the Company) and its wholly-owned subsidiary, Bank of Louisiana, as of December 31, 2011 and 2010, and the related consolidated statements of income, comprehensive income, changes in stockholders' equity, and cash flows for the years ended December 31, 2011, 2010 and 2009. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.

 

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board in the United States of America. Those standards require that we plan and perform the audits to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

 

In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of BOL BANCSHARES, INC. and its wholly-owned subsidiary, Bank of Louisiana, as of December 31, 2011 and 2010, and the results of their operations and their cash flows for the years ended December 31, 2011, 2010 and 2009, in conformity with accounting principles generally accepted in the United States of America.

 

We were not engaged to examine management’s assessment of the effectiveness of the Company’s internal control over financial reporting as of December 31, 2011, included in the Form 10-K and, accordingly, we do not express an opinion thereon.

 

 

 

A Professional Accounting Corporation

 

Metairie, Louisiana

March 5, 2012

 

 

30
 

BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED BALANCE SHEETS

 

ASSETS

 

   December 31, 
   2011   2010 
         
Cash and Cash Equivalents          
Cash and Due from Banks  $3,505,465   $3,833,920 
Federal Funds Sold   16,150,000    14,950,000 
           
   Total Cash and Cash Equivalents   19,655,465    18,783,920 
           
Certificates of Deposit with Other Institutions   5,458,007    4,203,007 
Investment Securities Available-for-Sale, at Fair Value   1,037,475    878,100 
Loans - Less Allowance for Loan Losses of $1,800,000 in 2011 and 2010   54,380,969    60,200,514 
Property, Equipment and Leasehold Improvements (Net of Depreciation and Amortization)   5,654,026    5,855,711 
Other Real Estate   4,597,336    3,137,074 
Other Assets   843,722    1,191,997 
Letters of Credit   90,120    90,120 
           
           
           
           
           
           
           
           
           
   Total Assets  $91,717,120   $94,340,443 

 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

31
 

BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED BALANCE SHEETS

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

   December 31, 
   2011   2010 
         
LIABILITIES          
Deposits          
Non-Interest Bearing  $30,726,223   $31,866,902 
Interest Bearing   46,954,019    48,709,841 
Notes Payable   1,144,201    1,144,201 
Other Liabilities   369,900    270,955 
Deferred Taxes   382,629    380,652 
Letters of Credit Outstanding   90,120    90,120 
Accrued Interest   108,604    104,980 
           
Total Liabilities   79,775,696    82,567,651 
           
STOCKHOLDERS' EQUITY          
Preferred Stock - Par Value $1          
1,796,624 Shares Issued and Outstanding in 2011          
1,810,296  Shares Issued and Outstanding in 2010   1,796,624    1,810,296 
Common Stock - Par Value $1          
179,145 Shares Issued and Outstanding in 2011 and 2010   179,145    179,145 
Accumulated Other Comprehensive Income   618,489    513,305 
Capital in Excess of Par - Retired Stock   197,939    195,205 
Retained Earnings   9,149,227    9,074,841 
           
Total Stockholders' Equity   11,941,424    11,772,792 
           
Total Liabilities and Stockholders' Equity  $91,717,120   $94,340,443 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

32
 

BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED STATEMENTS OF INCOME

 

   For the Years Ended 
   December 31, 
   2011   2010   2009 
             
INTEREST INCOME  $5,791,760   $6,066,653   $6,110,909 
                
INTEREST EXPENSE   425,988    447,238    484,314 
                
Net Interest Income   5,365,772    5,619,415    5,626,595 
                
PROVISION FOR LOAN LOSSES   79,868    304,688    535,543 
                
Net Interest Income After Provision for Loan Losses   5,285,904    5,314,727    5,091,052 
                
OTHER INCOME               
Service Charges on Deposit Accounts   444,348    467,201    416,897 
Cardholder and Other Charge Card Income   412,565    428,254    436,458 
Gain on Katrina Insurance Recovery           817,077 
Other Non-Interest Income   158,080    590,251    318,788 
                
   Total Other Income   1,014,993    1,485,706    1,989,220 
                
OTHER EXPENSES               
Salaries and Employee Benefits   2,371,869    2,615,106    2,764,527 
Occupancy Expense   917,419    1,059,723    1,040,332 
Outsourcing Fees   1,330,991    1,352,124    1,321,717 
Other Non-Interest Expense   1,568,060    1,550,373    1,741,338 
                
   Total Other Expenses   6,188,339    6,577,326    6,867,914 
                
INCOME BEFORE INCOME TAX EXPENSE   112,558    223,107    212,358 
                
INCOME TAX EXPENSE (BENEFIT)   38,172    (76,023)   77,182 
                
NET INCOME  $74,386   $299,130   $135,176 
                
EARNINGS PER SHARE OF COMMON STOCK  $0.42   $1.67   $0.75 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

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BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

 

   For the Years Ended 
   December 31, 
   2011   2010   2009 
             
NET INCOME  $74,386   $299,130   $135,176 
                
OTHER COMPREHENSIVE INCOME,NET OF TAX:               
Unrealized Holding Gains (Losses) on Investment Securities Available-for-Sale, Arising During the Period   105,184    42,114    (5,726)
                
OTHER COMPREHENSIVE INCOME (LOSS)   105,184    42,114    (5,726)
                
COMPREHENSIVE INCOME  $179,570   $341,244   $129,450 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

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BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY

 

           Accumulated   Capital In         
           Other   Excess of         
   Preferred   Common   Comprehensive   Par   Retained     
   Stock   Stock   Income   Retired Stock   Earnings   Total 
                         
BALANCE - January 1, 2009  $1,997,360   $179,145   $476,917   $157,792   $8,640,535   $11,451,749 
                               
Preferred Stock Retired   (160,271)           32,054        (128,217)
                               
Other Comprehensive Loss, Net of Applicable Deferred Income Taxes           (5,726)           (5,726)
                               
Net Income for the Year 2009                   135,176    135,176 
                               
BALANCE - December 31, 2009   1,837,089    179,145    471,191    189,846    8,775,711    11,452,982 
                               
Preferred Stock Retired   (26,793)           5,359        (21,434)
                               
Other Comprehensive Loss, Net of Applicable Deferred Income Taxes           42,114            42,114 
                               
Net Income for the Year 2010                   299,130    299,130 
                               
BALANCE - December 31, 2010   1,810,296    179,145    513,305    195,205    9,074,841    11,772,792 
                               
Preferred Stock Retired   (13,672)           2,734        (10,938)
                               
Other Comprehensive Loss, Net of Applicable Deferred Income Taxes           105,184            105,184 
                               
Net Income for the Year 2011                   74,386    74,386 
                               
BALANCE - December 31, 2011  $1,796,624   $179,145   $618,489   $197,939   $9,149,227   $11,941,424 

 

The accompanying notes are an integral part of these consolidated financial statements.

 

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BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED STATEMENTS OF CASH FLOWS

 

   For the Years Ended 
   December 31, 
   2011   2010   2009 
             
OPERATING ACTIVITIES               
Net Income  $74,386   $299,130   $135,176 
Adjustments to Reconcile Net Income to Net               
Cash Provided by (Used in) Operating Activities:               
Provision for Loan Losses   79,868    304,688    535,543 
Charge-downs of Other Real Estate   13,072         
Depreciation and Amortization Expense   307,897    384,632    399,722 
Deferred Income Taxes   (52,211)   (23,222)   257,523 
Gain on Sale of Other Real Estate   (15,599)   (394,997)    
Increase in Deferred Loan Fees   4,066    5,281    10,394 
Decrease (Increase) in Other Assets   348,275    315,976    (630,415)
Increase (Decrease) in Other Liabilities and Accrued Interest Payable   102,577    (89,216)   (872,852)
                
Net Cash Provided by (Used in) Operating Activities   862,331    802,272    (164,909)
                
INVESTING ACTIVITIES               
(Increase) Decrease in Certificates of Deposit with Other Institutions   (1,255,000)   990,890    (5,193,897)
Proceeds from Held-to-Maturity Investment Securities Released at Maturity           2,001,349 
Proceeds from Sale or Disposal of Property and Equipment           592 
Purchases of Property and Equipment   (106,212)   (99,147)   (25,148)
Proceeds from Sale of Other Real Estate   59,004    395,000     
Capitalized Costs on Other Real Estate   (20,608)        
Net Decrease (Increase) in Loans   4,239,469    (3,363,486)   (4,088,977)
                
Net Cash Provided by (Used in) Investing Activities   2,916,653    (2,076,743)   (7,306,081)

 

The accompanying notes are an integral part of these consolidated financial statements.

 

 

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BOL BANCSHARES, INC. & SUBSIDIARY

CONSOLIDATED STATEMENTS OF CASH FLOWS (Continued)

 

   For the Years Ended 
   December 31, 
   2011   2010   2009 
             
FINANCING ACTIVITIES               
Net (Decrease) Increase in Non-Interest Bearing and Interest Bearing Deposits   (2,896,501)   1,489,413    (1,889,979)
Preferred Stock Retired   (10,938)   (21,434)   (128,217)
Proceeds from Issuance of Long-Term Debt           1,000,000 
Principal Payments on Long-Term Debt           (1,399,000)
                
Net Cash (Used in) Provided by Financing Activities   (2,907,439)   1,467,979    (2,417,196)
                
NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS   871,545    193,508    (9,888,186)
                
CASH AND CASH EQUIVALENTS - BEGINNING OF YEAR   18,783,920    18,590,412    28,478,598 
                
CASH AND CASH EQUIVALENTS - END OF YEAR  $19,655,465   $18,783,920   $18,590,412 
                
SUPPLEMENTAL DISCLOSURES:               
Additions to Other Real Estate through Foreclosure  $1,496,131   $1,125,187   $858,963 
                
Cash Paid During the Year for Interest  $422,364   $482,100   $506,903 
                
Cash Paid During the Year for Income Taxes  $22,000   $   $ 
                
Market Value Adjustment for Unrealized Gain on Securities Available-for-Sale  $159,360   $63,800   $(8,676)

 

 

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BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

BUSINESS OF THE COMPANY

 

BOL BANCSHARES, INC. (the Company) was organized as a Louisiana corporation on May 7, 1981, for the purpose of becoming a registered bank holding company under the Bank Holding Company Act. The Company was inactive until April 29, 1988, when it acquired Bank of Louisiana, BOS Bancshares, Inc. and its wholly-owned subsidiary, Bank of the South, and Fidelity Bank and Trust Company of Slidell, Inc., and its wholly-owned subsidiary, Fidelity Land Co. in a business reorganization of entities under common control in a manner similar to a pooling of interest. The acquired companies are engaged in the banking industry.

 

PRINCIPLES OF CONSOLIDATION

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, Bank of Louisiana (the Bank) and its wholly-owned subsidiary, BOL Assets, LLC. In consolidation, significant inter-company accounts, transactions, and profits have been eliminated.

 

INVESTMENT SECURITIES

 

The Company classifies all investment securities as available for sale as of December 31, 2011 and 2010. Securities classified as available for sale are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income, net of taxes. Other-than-temporary impairment, deemed to be credit related, is charged to earnings as realized losses. Realized gains and losses on securities are included in net income. Cost of securities sold is recognized using the specific identification method.

 

Purchase premiums and discounts are recognized in interest income using methods approximating the interest method over the term of the securities.

 

LOANS AND UNEARNED INCOME

 

Loans are stated at the amount of unpaid principal, reduced by unearned discount and an allowance for loan losses. Unearned discounts on loans are recognized as income over the term of the loans on the interest method. Interest on other loans is calculated and credited to operations on a simple interest basis. Loans are charged against the allowance for loan losses when management believes that collectibility of the principal is unlikely. Loan origination fees and certain direct origination costs, when material, are capitalized and recognized as an adjustment of the yield on the related loan.

 

Interest income is not reported when full loan repayment is in doubt, typically when payments are past due over 90 days, unless the loan is in the process of collection and the underlying collateral fully supports the carrying value of the loan. If the decision is made to continue accruing interest on the loan, periodic reviews are made to confirm the accruing status of the loan. All interest accrued but not collected for these loans is reversed against income. Payments received on such loans are reported as principal reductions until qualifying for return to accrual basis. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

 

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BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

LOANS AND UNEARNED INCOME (Continued)

 

The Company considers a loan to be impaired when, based upon current information and events, it believes it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans are identified for impairment through, among other things, internally generated listings such as watch lists, past due reports, and overdraft listings, historical loss experience by type of loan, loan files lacking current financial data related to borrowers and guarantors, borrowers experiencing problems, loans secured by collateral that is not readily marketable and loans to borrowers in industries experiencing economic instability. The Company’s impaired loans include performing and non-performing loans in which full payment of principal or interest is not expected. The Company calculates an allowance required for impaired loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or at the loan’s observable market price or the fair value of its collateral, less costs to sell.

 

Impaired loans, or portions thereof, are charged off when deemed uncollectible, based on all available current and historical information, that it is probable a loss has been incurred. The information used in determining when a loss has been incurred include watch lists, contact with the customer, and other monthly reports provided to management.

 

TROUBLED DEBT RESTRUCTURINGS

 

Troubled Debt Restructurings (TDRs) occur when the Company agrees to significantly modify the original terms of a loan due to the deterioration in the financial condition of the borrower. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status, and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on nonaccrual status at the time of the TDR, the loan will remain on nonaccrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status.

 

ALLOWANCE FOR LOAN LOSSES

 

The allowance for loan losses is established through a provision for loan losses charged to expenses. Management’s policy is to maintain the allowance at a level believed, to the best of management’s knowledge, to cover all known and inherent losses in the portfolio. Management reviews the allowance for loan losses on a periodic basis in order to identify those inherent losses and to assess the overall collection probability of the loan portfolio. The evaluation process includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of the Company’s loans, the value of collateral securing the loan, the borrower’s ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience. From this analysis, a general, specific and unallocated reserve is established, which totals the allowance for loan losses at each reporting date. Loans are charged against the allowance for loan losses when management believes that the collectibility of the principal is unlikely.

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BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

ALLOWANCE FOR LOAN LOSSES (Continued)

 

For real estate, commercial and consumer loans, management evaluates the average historical charge-off rate for the previous five years. However, charge-off trends occurring within the past 12 to 24 months are considered in determining an appropriate loss percentage to use in the Bank’s allowance estimate for these types of loans. For charge card loans, management considers the past two years of historical charge-offs in order to develop an appropriate allowance estimate.

 

OTHER REAL ESTATE

 

Real estate acquired through, or in lieu of, foreclosure is held for sale and is initially recorded at the lower of the loan balance or net realizable value. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of cost or fair value less estimated costs of disposal. Any write-down to fair value at the time of transfer to Other Real Estate is charged to the allowance for loan losses. Adjustments to carrying value, revenue and expenses related to holding foreclosed assets are recorded in earnings as they occur.

 

PROPERTY, EQUIPMENT AND LEASEHOLD IMPROVEMENTS

 

Buildings, office equipment and leasehold improvements are stated at cost, less accumulated depreciation and amortization computed principally on the straight-line and modified accelerated cost recovery methods over the estimated useful lives of the assets. Leasehold improvements are generally depreciated over the lesser of the lease term or the estimated useful lives of the improvements. Maintenance and repairs are expensed as incurred while major additions and improvements are capitalized. Gains and losses on dispositions are included in current operations.

 

INCOME TAXES

 

The Company and its consolidated subsidiary file a consolidated Federal income tax return. Federal income taxes are allocated between the companies, in accordance with a written agreement.

 

Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. Realization of deferred tax assets is dependent upon the generation of a sufficient level of future taxable income and recoverable taxes paid in prior years. Although realization is not assured, management believes it is more likely than not that all of the deferred tax assets will be realized.

40
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

INCOME TAXES (Continued)

 

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above would be reflected as a liability for unrecognized tax benefits in the consolidated balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits would be classified as additional income taxes in the statement of operations.

 

MEMBERSHIP FEES

 

Membership fees are collected in the anniversary month of the cardholder and are amortized over a twelve-month period using the straight-line method.

 

CASH AND DUE FROM BANKS

 

The Company considers all amounts due from banks, certificates of deposit with an original maturity of 90 days or less, Treasury Bills, and Federal Funds Sold, to be cash equivalents.

 

RESTRICTIONS ON CASH AND DUE FROM BANKS

 

The Bank is required to maintain non-interest bearing reserve balances to fulfill its reserve requirements. The average amount of the required reserve balance was approximately $930,000 and $955,000, for the years ended December 31, 2011 and 2010, respectively.

 

NON-DIRECT RESPONSE ADVERTISING

 

The Bank expenses advertising costs as incurred.

 

USE OF ESTIMATES

 

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and deferred tax assets.

41
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

SIGNIFICANT CONCENTRATIONS OF CREDIT RISK

 

Most of the Bank’s activities are with customers located within the New Orleans area, except for credit card lending, which is nationwide. Note B discusses the types of lending that the Bank engages in and Note E discusses the type of securities that the Company invests in. The Bank does not have any significant concentrations in any one industry or customer.

 

RECENT ACCOUNTING PRONOUNCEMENTS

 

In December 2010, the FASB issued authoritative guidance that modified Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. In determining whether it is more likely than not that a goodwill impairment exists, an entity should consider whether there are any adverse qualitative factors indicating that an impairment may exist such as if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. This new authoritative guidance is effective on January 1, 2012 and is not expected to have a significant impact on the Company’s financial statements.

 

In April 2011, the FASB updated the accounting guidance on the evaluation of whether a restructuring constitutes a troubled debt restructuring. The guidance clarifies the creditor’s evaluation of whether it has granted a concession as well as the evaluation of whether a debtor is experiencing financial difficulties. The guidance also clarifies that a creditor is precluded from using the effective interest rate test in the debtor’s guidance on restructuring of payables when evaluating whether a restructuring constitutes a troubled debt restructuring. The new guidance will be effective for the fiscal year ending December 31, 2012.

 

In April 2011, the FASB amended the accounting guidance related to repurchase agreements and other agreements that both entitle and obligate a transferor to repurchase or redeem financial assets before their maturity. The amendments remove from the assessment of effective internal control the criterion relating to the transferor’s ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee. The amendments also eliminate the requirement to demonstrate that the transferor possesses adequate collateral to fund substantially all the cost of purchasing replacement financial assets. The guidance is effective January 1, 2012 and is not expected to have a significant impact on the Company’s financial statements.

 

In May 2011, the FASB amended the accounting guidance related to fair value measurement and disclosure, the result of which being common fair value measurement and disclosure requirements in U.S. GAAP and International Financial Reporting Standards. The FASB does not intend for the amendment to result in a change in the application of the requirements in Topic 820. Some of the amendments clarify the FASB’s intent about the application of existing fair value measurement requirements. Other amendments change a particular principle or requirement for measuring fair value or for disclosing information about fair value measurements. The amendments are effective January 1, 2012 with no significant impact expected on the Company’s financial statements.

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BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES (Continued)

 

RECENT ACCOUNTING PRONOUNCEMENTS (Continued)

 

In June 2011, the FASB amended the accounting guidance for presentation of other comprehensive income. The new guidance requires that all nonowner changes in stockholders equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. The new guidance will be effective for the fiscal year ending December 31, 2012 and is not expected to have a significant impact on the Company’s financial statements. In addition, this guidance requires the entity to present on the face of the financial statements reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement(s) where the components of net income and the components of other comprehensive income are presented. In December 2011, the FASB issued an amendment to the guidance released in June 2011 to defer the changes related to the presentation of reclassification adjustments to give the FASB more time to reassess and evaluate alternative presentation formats. Thus, the requirements for the presentation of reclassifications out of accumulated other comprehensive income that were in place before the issuance of the June 2011 guidance were reinstated until their deliberation is complete.

 

In September 2011, the FASB amended guidance pertaining to goodwill impairment testing. The amendments permit an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test. An entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount. The guidance is effective January 1, 2012 with no significant impact expected on the Company’s financial statements.

 

In December 2011, the FASB issued guidance which relates to deconsolidation events. Under this amendment, when a parent (reporting entity) ceases to have a controlling financial interest in a subsidiary that is in substance real estate as a result of the default on the subsidiary’s nonrecourse debt, the reporting entity should apply the guidance in Subtopic 360-20, Property, Plant and Equipment - Real Estate Sales, to determine whether it should derecognize the in substance real estate. This guidance is effective for the fiscal year ending December 31, 2013 and is not expected to have a significant impact on the Company’s financial statements.

 

In December 2011, the FASB issued authoritative guidance to provide enhanced disclosures in the financial statements about offsetting and netting arrangements. The new guidance requires entities to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting agreement. This guidance was issued to facilitate comparison between financial statements prepared on a U.S. GAAP and IFRS reporting. The new guidance is effective January 1, 2013 and is not expected to have a significant impact on the Company’s financial statements.

 

RECLASSIFICATION OF PRIOR YEAR AMOUNTS

 

Amounts in prior years’ consolidated financial statements are reclassified whenever necessary to conform to the current year’s presentation.

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BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE B   LOANS

 

Major classifications of loans are as follows:

 

   December 31, 
   2011   2010 
         
Real Estate Mortgages:          
   Residential 1-4 Family  $21,157,199   $19,541,387 
   Commercial   15,786,519    20,281,907 
   Construction   6,399,173    9,023,499 
   Second Mortgages   820,257    948,686 
   Other   1,610,535    1,724,934 
    45,773,683    51,520,413 
           
Commercial   2,702,432    2,726,278 
Personal   1,496,019    1,191,139 
Credit Cards   6,038,529    6,321,359 
Overdrafts   209,979    276,932 
   Total Loans   56,220,642    62,036,121 
           
Allowance for Loan Losses   (1,800,000)   (1,800,000)
Deferred Loan Fees   (39,673)   (35,607)
           
   Loans, Net  $54,380,969   $60,200,514 

 

The following is a classification of loans by rate and maturity: (Dollar amounts in thousands)

 

   December 31, 
   2011   2010 
Fixed Rate Loans:          
Maturing in 3 Months or Less  $13,495   $13,785 
Maturing Between 3 and 12 Months   25,114    29,769 
Maturing Between 1 and 5 Years   15,024    14,154 
Maturing After 5 Years   571    631 
Total Fixed Rate Loans   54,204    58,339 
Variable Rate Loans:          
Maturing Quarterly or More Frequently   721    723 
Maturing Between 3 and 12 Months       698 
Maturing Between 3 and 12 Months        
Non-Accrual Loans   1,295    2,276 
Total Variable Rate Loans   2,016    3,697 
           
Total Loans  $56,220   $62,036 
44
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE B   LOANS (Continued)

 

The Company’s loan portfolio segments consist of the following:

 

Real Estate Loans – Consists of residential first and second mortgage loans on one-to-four family homes; construction and development loans; multiple dwelling unit loans; housing rehabilitation loans; loans to purchase developed real property; and commercial real estate loans. Commercial real estate, multi-family residential and construction lending generally is considered to involve a higher degree of risk than single-family residential lending due to a variety of factors, including generally larger loan balances, the dependency on successful completion or operation of the project for repayment, the difficulties in estimating construction costs and loan terms which often do not require full amortization of the loan over its term and, instead, provide for a balloon payment at stated maturity. As a result of the larger loan balances typically involved in these loans, an adverse development with respect to one loan or one credit relationship can expose us to greater risk of loss compared to an adverse development with respect to a one- to four-family residential mortgage loan.

 

Commercial Loans (Secured and Unsecured) – Consists of working capital loans, secured and unsecured lines of credit, and small equipment loans. Commercial lending involves certain risk relating to changes in local and national economic conditions and the resulting effect on commercial borrowers. Such loans are subject to greater risk of default during periods of adverse economic conditions. Because such loans may be secured by equipment, inventory, accounts receivable and other non-real estate assets, the collateral may not be sufficient to ensure full payment of the loan in the event of a default. To reduce such risk, we may obtain the personal guarantees of one or more of the principals of the borrowers.

 

Personal/Consumer Loans – Consists of automobile, mobile home, recreational vehicle, and boat loans; home improvement and second-mortgage loans; secured and unsecured personal expense loans. Significant risks associated with consumer loans consist primarily of negative changes in the financial stability of the borrower and the lack of marketability of collateral.

 

Credit Cards – The Bank offers a variety of nationally recognized credit cards, in addition to its own Mr. Bol credit card, and private label credit cards for use at retail establishments nationwide. Credit card lines are underwritten using conservative credit criteria, including past credit history and debt-to-income ratios.

 

The Bank has a number of proprietary accounts it services. These accounts consist largely of small to medium sized merchants who have issued their own private-label cards. The Bank acquires these credit card accounts, typically with reserves posted, and requires the merchant to repurchase accounts 180 days or more past due.

45
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE B   LOANS (Continued)

 

Loans are considered past due of the required principal and interest payments have not been received as of the date of such payments were due. Loans are placed on non-accrual status, when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due.

 

Non-accrual loans, segregated by class of loans, as of December 31, 2011 and 2010, are as follows:

 

   December 31, 
   2011   2010 
         
Real Estate Mortgages          
 Residential 1 - 4 Family  $619,155   $793,001 
 Commercial   130,392    100,567 
 Construction   470,633    1,370,855 
 Second Mortgages        
 Other        
Commercial   63,180     
Personal   11,793    11,793 
Credit Cards        
Overdrafts        
           
 Total  $1,295,153   $2,276,216 

 

46
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE B   LOANS (Continued)

 

An aging analysis of past due loans, segregated by class of loans, is as follows (Dollar amounts in thousands):

 

   December 31, 2011 
   Loans   Loans               Accruing 
   30-89   90 or More   Total           Loans 90 or 
   Days   Days   Past Due   Current   Total   More Days 
   Past Due   Past Due   Loans   Loans   Loans   Past Due 
                         
Real Estate                              
1 - 4 Family Residential  $2,212   $1,635   $3,847   $17,310   $21,157   $1,015 
Commercial       299    299    15,487    15,786    169 
Construction   214    853    1,067    5,332    6,399    382 
Second Mortgages   12        12    808    820     
Other               1,611    1,611     
Commercial   27    1,077    1,104    1,598    2,702    1,014 
Personal   70    54    124    1,372    1,496    43 
Credit Cards   127    68    195    5,844    6,039    68 
Overdrafts   98    8    106    104    210    8 
                               
Total  $2,760   $3,994   $6,754   $49,466   $56,220   $2,699 

 

   December 31, 2010 
   Loans   Loans               Accruing 
   30-89   90 or More   Total           Loans 90 or 
   Days   Days   Past Due   Current   Total   More Days 
   Past Due   Past Due   Loans   Loans   Loans   Past Due 
                         
Real Estate                              
1 - 4 Family Residential  $1,467   $2,410   $3,877   $15,664   $19,541   $1,617 
Commercial   328    101    429    19,853    20,282     
Construction   406    1,371    1,777    7,247    9,024     
Second Mortgages   29        29    920    949     
Other   279        279    1,446    1,725     
Commercial   461    1    462    2,264    2,726    1 
Personal   63    22    85    1,106    1,191    11 
Credit Cards   129    56    185    6,136    6,321    56 
Overdrafts   4    210    214    63    277    210 
                               
Total  $3,166   $4,171   $7,337   $54,699   $62,036   $1,895 

 

The Company’s loan portfolio also includes certain loans that have been modified in a Troubled Debt Restructuring (TDR), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, or other actions.

 

When the Company modifies a loan, management evaluates any possible concession based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole source of repayment for the loan is the liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs. If management determines that the value of the modified loan is less than the recorded investment in the loan, impairment is recognized through an allowance estimate.

47
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE B   LOANS (Continued)

 

The TDRs shown in the following table were modified by either an interest rate adjustment or extension of the maturity date:

 

Loan Type  Number
of Loans
   Pre-
Modification
Recorded
Investment
   Post-
Modification
Recorded
Investment
   Specific
Reserves
Allocated
 
                     
Real Estate:                    
  1 - 4 Family Residential   7   $2,387,623   $2,387,623   $369,811 
Commercial   2    300,793    300,793    68,736 
                     
    Total   9   $2,688,416   $2,688,416   $438,547 

 

The following table presents TDRs modified during the year ended December 31, 2011:

 

Loan Type  Number
of Loans
   Pre-
Modification
Recorded
Investment
   Post-
Modification
Recorded
Investment
   Specific
Reserves
Allocated
 
                     
Real Estate:                    
  1 - 4 Family Residential   3   $1,094,784   $1,084,784   $247,835 
Commercial   2    300,793    300,793    68,736 
                     
    Total   5   $1,395,577   $1,385,577   $316,571 

 

At December 31, 2011, there are no commitments to lend additional funds to any borrower whose loan terms have been modified in a troubled debt restructuring.

 

Loans are considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Impaired loans, or portions thereof, are charged off when deemed uncollectible.

48
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE B   LOANS (Continued)

 

Impaired loans, which consists of substandard loans, non-accrual loans and TDRs, are set forth in the following table:

 

   December 31, 2011 
   Unpaid   Recorded   Recorded         
   Contractual   Investment   Investment   Total     
   Principal   with No   with   Recorded   Related 
   Balance   Allowance   Allowance   Investment   Allowance 
                     
Real Estate                         
1 - 4 Family Residential  $3,006,778   $524,480   $2,482,298   $3,006,778   $501,655 
Commercial   130,392        130,392    130,392    26,530 
Construction   670,591        670,591    670,591    198,617 
Second Mortgages                    
Other                    
Commercial   363,973        363,973    363,973    81,625 
Personal   11,793        11,793    11,793    6,323 
Credit Cards                    
Overdrafts                    
                          
Total  $4,183,527   $524,480   $3,659,047   $4,183,527   $814,750 

 

   December 31, 2010 
   Unpaid   Recorded   Recorded         
   Contractual   Investment   Investment   Total     
   Principal   with No   with   Recorded   Related 
   Balance   Allowance   Allowance   Investment   Allowance 
                     
Real Estate                         
1 - 4 Family Residential  $3,061,009   $   $3,061,009   $3,061,009   $532,438 
Commercial                    
Construction   1,573,221        1,573,321    1,573,321    382,261 
Second Mortgages                    
Other   115,856        115,856    115,856    11,284 
Commercial   7,303        7,303    7,303    820 
Personal   108,894        108,894    108,894    5,362 
Credit Cards                    
Overdrafts   205,751        205,751    205,751    30,863 
                          
Total  $5,072,034   $   $5,072,134   $5,072,134   $963,028 

 

49
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE C   OTHER REAL ESTATE

 

Other Real Estate consists of real estate acquired through foreclosure or deed taken in lieu of foreclosure. A summary of the activity of Other Real Estate follows:

 

   Years Ended December 31, 
   2011   2010 
         
Balance, Beginning of Year  $3,137,074   $2,011,887 
Transfers from Loans   1,496,131    1,125,190 
Recognition of Impairment in Value   (13,072)    
Capitalized Costs   20,608     
Proceeds from Sale   (59,004)   (395,000)
Gain (Loss) on Sale   15,599    394,997 
           
Balance, End of Year  $4,597,336   $3,137,074 

 

The net income (expense) from Other Real Estate totaled ($233,369) in 2011, $59,392 in 2010, and ($124,855) in 2009.

 

NOTE D   INVESTMENT SECURITIES

 

The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, at December 31, 2011 and 2010 follows:

 

   December 31, 2011 
       Gross   Gross     
   Amortized   Unrealized   Unrealized   Fair 
   Cost   Gains   Losses   Value 
                     
Equity Securities  $302,180   $735,295   $   $1,037,475 

 

 

   December 31, 2010 
       Gross   Gross     
   Amortized   Unrealized   Unrealized   Fair 
   Cost   Gains   Losses   Value 
                     
Equity Securities  $302,180   $575,920   $   $878,100 

 

At December 31, 2011 and 2010, the Bank had no securities pledged.

 

50
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE E   INCOME TAXES

 

The components of the provision for income tax expense (benefit) are:

 

   2011   2010   2009 
Current  $90,383   $(52,797)  $(193,165)
Deferred   (52,211)   (23,226)   270,347 
                
Total Provision for Income Taxes  $38,172   $(76,023)  $77,182 

 

A reconciliation of income tax at the statutory rate to income tax expense at the Company's effective rate is as follows:

 

   2011   2010   2009 
Computed Tax Expense (Benefit) at the Expected Statutory Rate  $38,270   $75,856   $72,202 
Katrina Tax Credits       (2,164)   (35,513)
Other Adjustments   (98)   (149,715)   40,493 
Income Tax Expense for Operations  $38,172   $(76,023)  $77,182 

 

Certain income and expense items are accounted for differently for financial reporting purposes than for income tax purposes. Provisions for deferred taxes are made in recognition of these temporary differences and are measured using the income tax rates applicable to the period when the differences are expected to be realized or settled.

 

The major temporary differences, which created deferred tax assets and liabilities, are as follows:

 

   2011   2010 
Deferred Tax Assets:          
Other Real Estate  $201,713   $199,748 
Allowance for Loan Loss   212,372    195,757 
Expenses Accrued for Books   10,200     
   Total Deferred Tax Assets   424,285    395,505 
           
Deferred Tax Liabilities:          
Section 481A Adjustment - Prepaid Expenses   (64,213)   (84,563)
Unrealized Gain on Securities   (299,697)   (245,509)
Fixed Assets   (443,004)   (446,085)
Total Deferred Tax Liabilities   (806,914)   (776,157)
           
   Net Deferred Tax Liability  $(382,629)  $(380,652)

51
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE E   INCOME TAXES (Continued)

 

The Company had no amount of interest and penalties recognized in the consolidated statements of operations for neither the years ended December 31, 2011 and 2010, respectively, nor any amount of interest and penalties recognized in the consolidated balance sheets as of December 31, 2011 and 2010, respectively.

 

All tax returns have been appropriately filed by the Company. The Company’s tax filings are subject to audit by various taxing authorities. The Company’s Federal tax returns for 2008, 2009 and 2010 are subject to examination by the IRS, generally for three years after they were filed. As of December 31, 2011, management evaluated the Company’s tax position and concluded that the Company has taken no uncertain tax positions that require adjustment to the consolidated financial statements.

 

NOTE F   PROPERTY, EQUIPMENT AND LEASEHOLD IMPROVEMENTS

 

   December 31, 
   2011   2010 
Furniture and Equipment  $2,809,406   $2,762,402 
Bank Owned Vehicles   62,491    62,491 
Leasehold Improvements   520,183    460,980 
Land   1,092,425    1,092,425 
Buildings   5,859,133    5,859,133 
    10,343,638    10,237,431 
Less:  Accumulated Depreciation and Amortization   4,689,612    4,381,720 
           
Total Property, Equipment and Leasehold Improvements, Net  $5,654,026   $5,855,711 

 

Depreciation and amortization expense aggregated $307,897 in 2011, $384,632 in 2010, and $399,722 in 2009.

 

52
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE G   ALLOWANCE FOR LOAN LOSSES

 

Changes in the allowance for loan losses by portfolio segment as of December 31, 2011 and 2010 are as follows:

 

   December 31, 2011 
   Real
Estate
   Commercial   Personal   Credit
Cards
   Overdrafts   Unallocated   Total 
                             
Beginning Balance  $970,452   $45,287   $17,763   $367,544   $31,171   $367,783   $1,800,000 
                                    
Provision for Possible Loan losses   (64,307)   203,169    27,180    79,683    (14,637)   (151,220)   79,868 
                                    
Charge-Offs   (19,153)   (15,959)   (6,376)   (222,520)   (6,500)   (25)   (270,533)
Recoveries   58,359        3,649    127,575    986    96    190,665 
                                    
   Net Charge-Offs   39,206    (15,959)   (2,727)   (94,945)   (5,514)   71    (79,868)
                                    
   Ending Balance  $945,351   $232,497   $42,216   $352,282   $11,020   $216,634   $1,800,000 
                                    
Period-End Amount Allocated to:                                   
Loans Individually Evaluated for Impairment  $726,802   $81,625   $6,323   $   $   $   $814,750 
Loans Collectively Evaluated for Impairment   218,549    150,872    35,893    352,282    11,020    216,634    985,250 
                                    
Ending Balance  $945,351   $232,497   $42,216   $352,282   $11,020   $216,634   $1,800,000 

 

   December 31, 2010 
   Real
Estate
   Commercial   Personal   Credit
Cards
   Overdrafts   Unallocated   Total 
                             
Beginning Balance  $1,229,554   $125,487   $67,616   $360,976   $13,033   $3,334   $1,800,000 
                                    
Provision for Possible Loan losses   (256,220)   (105,250)   (43,117)   312,444    32,382    364,449    304,688 
                                    
Charge-Offs   (4,371)       (6,736)   (476,737)   (16,704)       (504,548)
Recoveries   1,489    25,050        170,861    2,460        199,860 
                                    
   Net Charge-Offs   (2,882)   25,050    (6,736)   (305,876)   (14,244)       (304,688)
                                    
   Ending Balance  $970,452   $45,287   $17,763   $367,544   $31,171   $367,783   $1,800,000 
                                    
Period-End Amount Allocated to:                                   
Loans Individually Evaluated for Impairment  $925,985   $820   $5,363   $   $30,862   $   $963,030 
Loans Collectively Evaluated for Impairment   44,467    44,467    12,400    367,544    309    367,783    836,970 
                                    
Ending Balance  $970,452   $45,287   $17,763   $367,544   $31,171   $367,783   $1,800,000 

 

Despite the above allocation, the allowance for credit losses is general in nature and is available to absorb losses from any loan type.

 

From a credit risk standpoint, the Company classifies it loans in one four categories: (i) pass, (ii) watch, (iii) substandard or (iv) doubtful.

53
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE G   ALLOWANCE FOR LOAN LOSSES (Continued)

 

The classification of loans reflect a judgment about the risks of default and loss associated with the loan. The Company reviews the ratings on credits monthly. Ratings are adjusted to reflect the degree of risk and loss that is felt to be inherent in each credit as of each monthly reporting period. The methodology is structured so that specific allocations are increased in accordance with deterioration in credit quality (and a corresponding increase in risk and loss) or decreased in accordance with improvement in credit quality (and a corresponding decrease in risk and loss).

 

Credits rated “pass” are those which comply with all material respects with the Bank’s loan policies, that are adequately secured with conforming collateral and that are extended to borrowers with documented cash flow and/or liquidity to safely cover their total debt service requirements.

 

Credits rated “watch” show clear signs of financial weakness or deterioration in credit worthiness; however, such concerns are not so pronounced that the Company generally expects to experience significant loss within the short-term. Such credits typically maintain the ability to perform within standard credit terms and credit exposure is not as prominent as credits rated more harshly.

 

Credits rated “substandard” are those in which the normal repayment of principal and interest may be, or has been jeopardized by reason of adverse trends or developments in financial, managerial, economic or political nature, or important weaknesses exist in collateral. Corrective action is required to strengthen the Company’s position, and/or to reduce exposure and to assure that adequate remedial measures are taken by the borrower. Credit exposure becomes more likely in such credits.

 

Credits rated “doubtful” are those in which full collection of principal appears highly questionable, and which some degree of loss is anticipated, even though the ultimate amount of loss may not yet be certain and/or other factors exist which could affect collection of debt. Based upon available information, positive action by the Company is required to avert or minimize loss. Credits rated doubtful are generally also placed on nonaccrual.

 

The following table summarizes the Company’s internal ratings of its loans:

 

   December 31, 2011 
   Real           Credit         
   Estate   Commercial   Personal   Cards   Overdrafts   Total 
                         
Pass  $39,964,153   $1,324,958   $1,429,987   $6,038,528   $129,572   $48,887,198 
Watch   970,861    2,423                973,284 
Substandard   3,627,554    1,363,746    66,032        80,408    5,137,740 
Doubtful   1,211,115    11,305                1,222,420 
                               
 Totals  $45,773,683   $2,702,432   $1,496,019   $6,038,528   $209,980   $56,220,642 

 

54
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE G   ALLOWANCE FOR LOAN LOSSES (Continued)

 

   December 31, 2010 
   Real           Credit         
   Estate   Commercial   Personal   Cards   Overdrafts   Total 
                         
Pass  $44,399,289   $1,546,798   $1,082,245   $6,321,359   $   $53,349,691 
Watch   2,382,733    1,160,384            71,181    3,614,298 
Substandard   2,473,968    7,303    108,894        205,751    2,795,916 
Doubtful   2,264,423        11,793            2,276,216 
                               
 Totals  $51,520,413   $2,714,485   $1,202,932   $6,321,359   $276,932   $62,036,121 

 

NOTE H   STOCKHOLDERS' EQUITY

 

PREFERRED STOCK

 

8%, non-cumulative, non-participating, non-convertible, par value 3,000,000 shares authorized, 1,796,624 shares issued and outstanding in 2011, and 3,000,000 shares authorized, 1,810,296 shares issued and outstanding in 2010. Preferred stock ranks prior to common stock as to dividends and liquidation.

 

COMMON STOCK

 

Par value $1; 1,000,000 shares authorized, 179,145 shares issued and outstanding in 2011 and 2010.

 

NOTE I   EARNINGS PER COMMON SHARE

 

Earnings per share are computed using the weighted average number of shares outstanding, which were 179,145 in 2011, 2010 and 2009. There was no provision for dividends for the years ended December 31, 2011, 2010 or 2009.

 

NOTE J   CONTINGENT LIABILITIES AND COMMITMENTS

 

The Bank's financial statements do not reflect various commitments and contingent liabilities which arise in the normal course of business and which involve elements of credit risk, interest rate risk and liquidity risk. These commitments and contingent liabilities are commitments to extend credit. A summary of the Bank's commitments and contingent liabilities are as follows:

 

   2011   2010 
         
Credit Card Arrangements  $12,373,012   $14,625,844 
Commitments to Extend Credit   2,079,480    1,762,870 

 

55
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE J   CONTINGENT LIABILITIES AND COMMITMENTS (Continued)

 

Commitments to extend credit, credit card arrangements and standby letters of credit all include exposure to some credit loss in the event of nonperformance of the customer. The Bank's credit policies and procedures for credit commitments and financial guarantees are the same as those for extension of credit that are recorded on the consolidated balance sheets. Because these instruments have fixed maturity dates, and because many of them expire without being drawn upon, they do not generally present any significant liquidity risk to the Bank.

 

In August 2005, Hurricane Katrina impacted the New Orleans area. Several of the Bank’s branches sustained significant damage as a result of the hurricane. In addition, due to concessions made to customers to facilitate the timely processing of transactions, the Bank has estimated that it has sustained losses. As a result of these losses, the Bank received approximately $2,090,000 of insurance proceeds. Due to the uncertainty of the financial impact of Katrina, these proceeds were recorded as an escrow account on the balance sheet of the Bank. Impairment losses and expenditures associated with repairs to the Bank’s facilities were applied against this account. During 2009, the Bank recognized into income the remaining balance in the escrow account, which totaled approximately $817,000.

 

NOTE K   RELATED PARTY TRANSACTIONS

 

In the ordinary course of business, the Bank makes loans to its directors, officers and principal holders of equity securities. These loans are made on substantially the same terms including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons. An analysis of loans made to directors, officers and principal holders of equity securities, including companies in which they have a significant ownership interest, is as follows:

 

   2011   2010 
Balance - January 1  $1,077,302   $1,186,284 
New Loans Made   137,465    508,722 
Repayments   (33,087)   (617,704)
           
Balance - December 31  $1,181,680   $1,077,302 

 

During the years ended December 31, 2011, 2010, and 2009, legal fees paid to a director totaled $-0-, $8,795 and $12,352, respectively.

 

At December 31, 2011 and 2010, amounts due to Directors of the Company, including accrued interest, totaled $167,076 and $152,655, respectively. These amounts, which are included in Notes Payable and Accrued Interest Payable in the accompanying consolidated balance sheets, are payable on demand and bear interest at 10% per annum. Of the debentures payable at December 31, 2011 and 2010, $105,000 were to Directors of the Company (see Note R).

 

56
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE L   LEASES

 

The Bank leases office space under agreements expiring in various years through November 2016. In addition, the Bank rents office space on a month-to-month basis from non-related groups.

 

The total minimum rental commitment at December 31, 2011, under the leases is due as follows:

 

 December 31,      
 2012   $179,183 
 2013    181,048 
 2014    182,913 
 2015    184,778 
 2016    141,955 
        
     $869,877 

 

For the years ended December 31, 2011, 2010 and 2009, $249,036, $243,701 and $227,714 was charged to rent expense, respectively.

 

The Bank is the lessor of office space under operating leases expiring in various years through December 2018. Minimum future rentals to be received on non-cancelable leases as of December 31, 2011 follows:

 

 December 31,      
 2012   $117,541 
 2013    73,677 
 2014    33,482 
 2015    30,522 
 2016    30,522 
 Thereafter    61,044 
        
     $346,788 

 

NOTE M   LETTERS OF CREDIT

 

Standby Letters of Credit obligate the Bank to meet certain financial obligations of its clients, if, under the contractual terms of the agreement, the clients are unable to do so. These instruments are primarily issued to support public and private financial commitments, including commercial paper, bond financing, initial margin requirements on futures exchanges and similar transactions. Outstanding letters of credit were $90,120 as of December 31, 2011 and 2010. Of the $90,120 in letters of credit at December 31, 2011 and 2010, $57,700 was secured by real property, $7,420 was secured by cash and $25,000 was unsecured. All of the letters of credit are scheduled to mature in 2012.

 

57
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE N   DEPOSITS

 

Major classifications of interest bearing deposits are as follows:

 

   December 31, 
   2011   2010 
         
NOW Accounts  $10,897,338   $11,184,196 
Money Market Accounts   3,697,477    3,948,540 
Savings Accounts   19,841,509    20,156,625 
Certificates of Deposit Greater Than $100,000   4,907,733    5,247,747 
Other Certificates of Deposit   7,609,962    8,172,733 
   $46,954,019   $48,709,841 

 

The maturities of Certificates of Deposit Greater than $100,000 at December 31, 2011 are as follows:

 

Three Months or Less  $1,042,506 
After Three Months Through One Year   2,253,497 
Over One Year Through Three Years   1,411,730 
Over Three Years   200,000 
      
   $4,907,733 

 

At December 31, 2011 and 2010, overdraft demand deposits reclassified to loans totaled $209,979 and $276,932, respectively.

 

NOTE O   FUNDS AVAILABLE FOR DIVIDENDS

 

The Bank is restricted under applicable laws and regulatory authority in the payment of cash dividends. Such laws generally restrict cash dividends to the extent of the Bank's earnings.

 

No dividends were paid by the Bank to BOL Bancshares, Inc. during the years ended December 31, 2011, 2010, and 2009.

 

NOTE P   CONCENTRATIONS OF CREDIT

 

All of the Bank's loans, commitments, and commercial and standby letters of credit have been granted to customers in the Bank's market area. All such customers are depositors of the Bank. The concentrations of credit by type of loan are set forth in Note B. Commercial letters of credit were granted primarily to commercial borrowers.

 

58
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE Q   EMPLOYEE BENEFITS

 

Effective January 1, 2001, the Bank adopted a Section 401(k) savings plan. The Plan covers substantially all employees who are at least eighteen years old and have completed six months of continuous service. The Bank may make discretionary contributions and is not required to match employee contributions under the plan. The Bank made no contributions to the plan during the years ended December 31, 2011, 2010 or 2009.

 

NOTE R   NOTES PAYABLE

 

The following is a summary of notes payable at December 31, 2011 and 2010:

 

   December 31, 
   2011   2010 
         
Notes payable to a current Director of the Company, payable on demand, interest at 10%.  $144,201   $144,201 
           
Debentures payable, due July 2012, interest at 6%, callable at 103%, 102% and 101% of face value during the first, second, and third years, respectively, following the closing date,interest payable semi-annually, each $500 debenture secured by 71.50 shares of the Bank’s stock.   1,000,000    1,000,000 
   $1,144,201   $1,144,201 

 

Following are maturities of long-term debt:

 

 December 31,      
        
 2012   $1,144,201 
        
     $1,144,201 

 

59
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE S   INTEREST INCOME AND INTEREST EXPENSE

 

Major categories of interest income and interest expense are as follows:

 

   December 31, 
   2011   2010   2009 
             
INTEREST INCOME               
Interest and Fees on Loans:               
Real Estate Loans  $3,395,911   $3,588,326   $3,531,844 
Installment Loans   126,077    138,452    132,183 
Credit Cards and Related Plans   1,883,551    1,985,136    2,092,520 
Commercial and All Other Loans   326,790    264,302    237,431 
Interest on Certificates of Deposit   34,195    54,790    58,028 
Interest and Dividends on Investment Securities   7,788    15,496    33,933 
Interest on Federal Funds Sold   17,448    20,151    24,970 
                
   $5,791,760   $6,066,653   $6,110,909 
                
                
INTEREST EXPENSE               
Interest on Time Deposits of $100,000 or More  $44,949   $59,406   $81,297 
Interest on Other Deposits   306,618    313,248    309,235 
Interest on Notes Payable   74,421    74,584    93,782 
                
   $425,988   $447,238   $484,314 

 

60
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE T   NON-INTEREST INCOME AND NON-INTEREST EXPENSES

 

Major categories of other non-interest income and non-interest expenses are as follows:

 

   December 31, 
   2011   2010   2009 
             
OTHER NON-INTEREST INCOME               
Other Commission and Fees  $69,124   $57,749   $64,062 
Other Real Estate Income   24,600    395,022    9,271 
Other Income   64,356    137,480    245,455 
                
   $158,080   $590,251   $318,788 
                
                
OTHER NON-INTEREST EXPENSES               
Loan and Charge Card Expenses  $118,518   $115,551   $125,737 
Communications   227,161    215,654    218,627 
Stationery, Forms and Supplies   89,390    83,737    91,985 
Professional Fees   305,429    286,517    257,246 
Insurance and Assessments   202,462    181,347    224,677 
Advertising   12,079    10,870    1,702 
Miscellaneous Losses   424    2,943    710 
Promotional Expenses   58,174    57,042    61,307 
Other Real Estate Expenses   257,969    335,630    134,126 
Other Expenses   296,454    261,082    625,221 
                
   $1,568,060   $1,550,373   $1,741,338 

 

61
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE U   CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY

 

   December 31, 
   2011   2010 
         
ASSETS          
Due from Banks  $232,940   $268,465 
Securities Available-for-Sale, at Fair Value   1,006,695    847,320 
Other Assets   370    1,114 
Due from Subsidiary Bank   26,172    2,456 
Investment in Bank of Louisiana   12,186,089    12,094,914 
           
   $13,452,266   $13,214,269 
           
LIABILITIES AND STOCKHOLDERS' EQUITY          
Notes Payable  $1,144,201   $1,144,201 
Deferred Taxes   250,001    195,813 
Accrued Interest   48,026    33,604 
Shareholders' Equity   12,010,038    11,840,651 
           
   $13,452,266   $13,214,269 

 

62
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE U   CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Continued)

 

   December 31, 
   2011   2010   2009 
             
INCOME               
Interest and Dividend Income  $40,296   $118,335   $5,412 
Miscellaneous Income           78,635 
                
    40,296    118,335    84,047 
EXPENSES               
Interest   74,421    74,584    93,782 
Other Expenses   5,627    4,746    5,630 
                
    80,048    79,330    99,412 
                
(LOSS) INCOME BEFORE EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARY   (39,752)   39,005    (15,365)
                
Equity in Undistributed Earnings of Subsidiary   90,421    240,629    145,250 
                
INCOME BEFORE INCOME TAX BENEFIT   50,669    279,634    129,885 
                
INCOME TAX BENEFIT   23,717    19,496    5,291 
                
NET INCOME  $74.386   $299,130   $135,176 

 

 

63
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE U   CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY (Continued)

 

   December 31, 
   2011   2010   2009 
             
OPERATING ACTIVITIES               
Net Income  $74,386   $299,130   $135,176 
Adjustments to Reconcile Net Income to Net Cash (Used in) Provided by Operating Activities               
Equity in Undistributed Earnings of Subsidiary   (90,421)   (240,629)   (145,250)
Net Decrease (Increase) in Other Assets   744    744    (1,489)
Net Increase (Decrease) in Other Liabilities   14,420    (24,701)   2,795 
                
Net Cash (Used in) Provided by               
     Operating Activities   (871)   34,544    (8,768)
                
FINANCING ACTIVITIES               
Preferred Stock Retired   (10,938)   (21,434)   (128,217)
(Increase) Decrease in Due to/from Subsidiary   (23,716)   (26,151)   51,350 
Proceeds from Issuance of Long-Term Debt           1,000,000 
Repayment of Long-Term Debt           (1,399,000)
                
Net Cash Used in Financing Activities   (34,654)   (47,585)   (475,867)
                
NET DECREASE IN CASH               
  AND CASH EQUIVALENTS   (35,525)   (13,041)   (484,635)
                
CASH AND CASH EQUIVALENTS -               
BEGINNING OF YEAR   268,465    281,506    766,141 
                
CASH AND CASH EQUIVALENTS -               
END OF YEAR  $232,940   $268,465   $281,506 

 

 

64
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE V   COMPREHENSIVE INCOME

 

Comprehensive income was comprised of changes in the Company’s unrealized holding gains or losses on securities available-for-sale during 2011, 2010 and 2009. The following represents the tax effects associated with the components of comprehensive income:

 

   December 31, 
   2011   2010   2009 
             
Gross Unrealized Holding Gains (Losses) Arising During the Period  $159,360   $63,800   $(8,676)
Tax (Expense) Benefit   (54,176)   (21,686)   2,950 
    105,184    42,114    (5,726)
                
Reclassification Adjustment for Gains Included in Net Income            
Tax Benefit            
             
                
Net Unrealized Holding Gains (Losses) Arising During the Period  $105,184   $42,114   $(5,726)

 

NOTE W   REGULATORY CAPITAL REQUIREMENTS

 

As of December 31, 2011, the most recent notification from the FDIC categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized “well capitalized” the Bank must maintain minimum leverage capital ratios and minimum amounts of capital to total "risk weighted" assets, as set forth in the table. Management philosophy and plans are directed to enhancing the financial stability of the Bank to ensure the continuity of operations.

65
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE W   REGULATORY CAPITAL REQUIREMENTS (Continued)

 

The Bank's actual capital amounts and ratios are also presented in the table. (Dollars in thousands)

 

  December 31, 2011
          Required
          to be Well
      Required Capitalized Under
      for Capital Prompt Corrective
  Actual Adequacy Purposes Action Provisions
  Amount Ratio Amount Ratio Amount Ratio
             
Tier I Capital (to Average Assets) $12,187 13.49% $3,612 4.00% $4,516 5.00%
Tier I Capital (to Risk-Weighted Assets) $12,187 20.50% $2,378 4.00% $3,567 6.00%
Total Capital (to Risk-Weighted Assets) $12,943 21.77% $4,756 8.00% $5,945 10.00%

 

  December 31, 2010
          Required
          to be Well
      Required Capitalized Under
      for Capital Prompt Corrective
  Actual Adequacy Purposes Action Provisions
  Amount Ratio Amount Ratio Amount Ratio
             
Tier I Capital (to Average Assets) $12,096 12.83% $3,771 4.00% $4,714 5.00%
Tier I Capital (to Risk-Weighted Assets) $12,096 18.58% $2,603 4.00% $3,905 6.00%
Total Capital (to Risk-Weighted Assets) $12,922 19.85% $5,207 8.00% $6,509 10.00%
               

 

 

66
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE X   REGULATORY MATTERS – MEMORANDUM OF UNDERSTANDING

 

On April 19, 2011, the Bank consented to a Memorandum of Understanding (the “MOU”) issued by the Federal Deposit Insurance Corporation (“FDIC”) and the Office of Financial Institutions (“OFI”). The MOU provides for, among other things, the following items within specific time periods:

 

·The Bank shall reduce its level of adversely classified assets.
·The Bank shall reduce its level of past due loans.
·The Bank shall eliminate the extension of credit until all appropriate underwriting documentation is obtained.
·The Bank shall eliminate the extension of credit to borrowers for whom the Bank holds an uncollected charged-off asset or for which their credit is classified as “Substandard”.
·The Bank shall strengthen its loan review program.
·The Bank shall maintain an appropriate Allowance for Loan and Lease Losses.
·The Bank shall maintain a Tier 1 leverage capital ratio equal of at least 9%, a Tier 1 Risk Based Capital Ratio of 11% and a Total Risk Based Capital Ratio of 13%.
·The Bank shall not declare or pay any cash dividend without regulatory approval.
·The Bank shall review and amend its interest rate risk policy and procedures.
·The Bank shall provide for an independent evaluation of its management and information systems.
·The Bank shall review and update the Bank’s written strategic plan and profit plan.

 

While no assurance can be given, Bank management believes it has taken action toward complying with the provisions of the MOU. It is not presently determinable what actions, if any, bank regulators might take if requirements of the Memorandum are not complied within specified time periods.

 

NOTE Y   DISCLOSURE ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS

 

The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practiced to estimate the value:

 

CASH AND SHORT-TERM INVESTMENTS

 

For cash, the carrying amount approximates fair value. For short-term investments, fair values are calculated based upon general investment market interest rates for similar maturity investments.

 

INVESTMENT SECURITIES

 

For securities and marketable equity securities held-for-investment purposes, fair values are based on quoted market prices.

67
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE Y   DISCLOSURE ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Continued)

 

LOAN RECEIVABLES

 

For certain homogeneous categories of loans, such as residential mortgages, credit card receivables and other consumer loans, fair value is estimated using the current U.S. treasury interest rate curve, a factor for cost of processing and a factor for historical credit risk to determine the discount rate.

 

DEPOSIT LIABILITIES

 

The fair value of demand deposits, savings deposits and certain money market deposits are calculated based upon general investment market interest rates for investments with similar maturities. The value of fixed maturity certificates of deposit is estimated using the U.S. treasury interest rate curve currently offered for deposits of similar remaining maturities.

 

COMMITMENTS TO EXTEND CREDIT

 

The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit-worthiness of the counterparties.

 

The estimated fair values of the Company’s financial instruments are as follows:

 

   December 31, 2011 
   Carrying   Fair 
   Amount   Value 
Financial Assets:          
Cash and Short-Term Investments  $3,505,465   $3,505,465 
Certificates of Deposit   5,458,007    5,458,007 
Investment Securities   1,037,475    1,037,475 
Loans   56,220,645    56,071,449 
Less:  Allowance for Loan Losses   (1,800,000)   N/A     
   $64,421,592   $66,072,396 
Financial Liabilities:          
Deposits  $77,680,242   $77,726,063 
Unrecognized Financial Instruments:          
Commitments to Extend Credit  $2,079,480   $2,079,480 
Credit Card Arrangements   12,373,012    12,373,012 
   $14,452,492   $14,452,492 
68
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE Y   DISCLOSURE ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS (Continued)

 

   December 31, 2010 
   Carrying   Fair 
   Amount   Value 
Financial Assets:          
Cash and Short-Term Investments  $3,833,920   $3,833,920 
Certificates of Deposit   4,203,006    4,203,006 
Investment Securities   878,100    878,100 
Loans   62,036,121    62,053,562 
Less:  Allowance for Loan Losses   (1,800,000)   N/A     
   $69,151,147   $70,968,588 
Financial Liabilities:          
Deposits  $80,576,743   $80,674,660 
Unrecognized Financial Instruments:          
Commitments to Extend Credit  $1,762,870   $1,762,870 
Credit Card Arrangements   14,625,844    14,625,844 
   $16,388,714   $16,388,714 

 

NOTE Z   FINANCIAL INSTRUMENTS

 

The Company adopted ASC 820 on January 1, 2008 for all financial assets and liabilities and nonfinancial assets and liabilities that are recognized or disclosed at fair value in the financial statements on a recurring basis (at least annually). ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements.

 

ASC 820 defines fair value as the price that would be received upon sale of an asset or paid upon transfer of a liability in an orderly transaction between market participants at the measurement date and in the principal or most advantageous market for that asset or liability. The fair value should be calculated based on assumptions that market participants would use in pricing the asset or liability, not on assumptions specific to the entity. In addition, the fair value of liabilities should include consideration of non-performance risk including our own credit risk.

69
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE Z   FINANCIAL INSTRUMENTS (Continued)

 

In addition to defining fair value, ASC 820 expands the disclosure requirements around fair value and establishes a fair value hierarchy for valuation inputs. The hierarchy prioritizes the inputs into three levels based on the extent to which inputs used in measuring fair value are observable in the market. Each fair value measurement is reported in one of the three levels which is determined by the lowest level input that is significant to the fair value measurement in its entirety. These levels are:

 

·Level 1 - Inputs are based upon unadjusted quoted prices for identical instruments traded in active markets.

 

·Level 2 - Inputs are based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by observable market date for substantially the full term of the assets or liabilities.

 

·Level 3 - Inputs are generally unobservable and typically reflect management’s estimates of assumptions that market participants would use in pricing the asset or liability. The fair values are therefore determined using model-based techniques that include option pricing models, discounted cash flow models, and similar techniques.

 

The preceding methods described may produce a fair value calculation that may not be indicative of the net realizable value or reflective of future fair values. Furthermore, although the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date. There have been no changes in the methodologies used during the year ended December 31, 2011.

 

The following table presents the Company’s assets and liabilities measured at fair value on a recurring basis.

 

December 31, 2011  Level 1   Level 2   Level 3   Net Balance 
                 
Assets                    
Equity Securities  $   $1,037,475   $   $1,037,475 
                     
Total  $   $1,037,475   $   $1,037,475 
                     
December 31, 2010   Level 1    Level 2    Level 3    Net Balance 
                     
Assets                    
Equity Securities  $   $878,100   $   $878,100 
                     
Total  $   $878,100   $   $878,100 

 

70
 

BOL BANCSHARES, INC. & SUBSIDIARY

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

 

NOTE Z   FINANCIAL INSTRUMENTS (Continued)

 

The Company did not record any liabilities at fair market value for which measurement of the fair value was made on a recurring basis at December 31, 2011 or 2010.

 

The following table presents the Company’s assets and liabilities measured at fair value on a non-recurring basis.

 

December 31, 2011  Level 1   Level 2   Level 3   Net Balance 
                 
Assets                    
Impaired Loans  $   $4,183,527   $   $4,183,527 
Other Real Estate        4,597,336   $    4,597,336 
                     
Total  $   $8,780,863   $   $8,780,863 

 

December 31, 2010  Level 1   Level 2   Level 3   Net Balance 
                 
Assets                    
Impaired Loans  $   $5,072,134   $   $5,072,134 
Other Real Estate        3,137,074         3,137,074 
                     
Total  $   $8,209,208   $   $8,209,208 

 

NOTE AA   EVALUATION OF SUBSEQUENT EVENTS

 

In accordance with ASC No. 855, the Company has evaluated subsequent events through March 5, 2012, the date these financial statements were available to be issued. There were no material subsequent events that required recognition or additional disclosure in these financial statements.

 

 

71
 

 

To the Board of Directors

BOL Bancshares, Inc. & Subsidiary

 

Report of Independent Registered Public Accounting Firm on Supplementary Information

 

Our audits were conducted for the purpose of forming an opinion on the consolidated financial statements as a whole. The supplementary information contained in Schedules I, II and III is presented for the purpose of additional analysis and is not a required part of the basic financial statements. Such information is the responsibility of management and was derived from and relates directly to the underlying accounting and other records used to prepare the financial statements. The information has been subjected to the auditing procedures applied in the audits of the consolidated financial statements and certain additional procedures, including comparing and reconciling such information directly to the underlying accounting and other records used to prepare the consolidated financial statements or to the consolidated financial statements themselves, and other additional procedures in accordance with auditing standards generally accepted in the United States of America. In our opinion, the information is fairly stated in all material respects in relation to the consolidated financial statements taken as a whole.

 

 

A Professional Accounting Corporation

 

 

Metairie, Louisiana

March 5, 2012

 

 

72
 

BANK OF LOUISIANA

SUPPLEMENTARY INFORMATION

 

SCHEDULE I

BALANCE SHEETS

UNCONSOLIDATED

 

ASSETS

 

   December 31, 
   2011   2010 
Cash and Due from Banks  $3,505,465   $3,833,920 
Federal Funds Sold   16,150,000    14,950,000 
Certificates of Deposit   5,458,007    4,203,007 
Investment Securities          
Securities Available-for-Sale, at Fair Value   30,780    30,780 
Loans:  Less Allowance for Loan Losses of $1,800,000 in 2011and 2010   54,420,650    60,236,121 
Property, Equipment and Leasehold Improvements (Net of Depreciation and Amortization)   5,654,026    5,855,711 
Other Real Estate   4,597,336    3,137,074 
Other Assets   918,352    1,235,462 
Letters of Credit   90,120    90,120 
           
Total Assets  $90,824,736   $93,572,195 
           
           
LIABILITIES AND STOCKHOLDERS' EQUITY          
           
LIABILITIES          
Deposits          
Non-Interest Bearing  $30,732,071   $31,873,827 
Interest Bearing   47,181,927    48,975,907 
Other Liabilities   435,751    309,018 
Deferred Taxes   64,016    110,805 
Letters of Credit Outstanding   90,120    90,120 
Accrued Interest   60,578    71,376 
           
Total Liabilities   78,564,463    81,431,053 
           
STOCKHOLDERS'  EQUITY          
Common Stock - 143,000 Shares Issued and Outstanding   1,430,000    1,430,000 
Surplus   4,616,796    4,616,796 
Retained Earnings   6,213,477    6,094,346 
           
Total Stockholders' Equity   12,260,273    12,141,142 
           
Total Liabilities and Stockholders' Equity  $90,824,736   $93,572,195 

 

See independent registered public accounting firm report on supplementary information.

 

 

73
 

BANK OF LOUISIANA

SUPPLEMENTARY INFORMATION

 

SCHEDULE II

STATEMENTS OF INCOME

UNCONSOLIDATED

 

   For the Years Ended 
   December 31, 
   2011   2010   2009 
             
INTEREST INCOME  $5,783,972   $6,059,698   $6,110,909 
INTEREST EXPENSE   352,561    375,127    395,944 
                
Net Interest Income   5,431,411    5,684,571    5,714,965 
                
PROVISION FOR LOAN LOSSES   79,868    304,688    535,543 
                
Net Interest Income After Provision               
   for Loan Losses   5,351,543    5,379,883    5,179,422 
                
OTHER INCOME               
Service Charges on Deposit Accounts   451,203    476,647    416,897 
Other Non-Interest Income   532,276    900,152    1,493,688 
                
    983,479    1,376,799    1,910,585 
                
OTHER EXPENSES               
Salaries and Employee Benefits   2,371,869    2,615,106    2,764,527 
Occupancy Expense   917,419    1,059,723    1,040,332 
Outsourcing Fees   1,330,991    1,352,124    1,321,717 
Other Non-Interest Expense   1,533,723    1,499,405    1,734,754 
                
    6,154,002    6,526,358    6,861,330 
                
INCOME BEFORE PROVISION               
   FOR INCOME TAX   181,020    230,324    228,677 
                
INCOME TAX EXPENSE (BENEFIT)   61,889    (56,527)   82,473 
                
NET INCOME  $119,131   $286,851   $146,204 

 

See independent registered public accounting firm report on supplementary information.

 

 

74
 

SCHEDULE III

STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY

UNCONSOLIDATED

 

   Common       Retained     
   Stock   Surplus   Earnings   Total 
                 
BALANCE - January 1, 2009  $1,430,000   $4,616,796   $5,661,291   $11,708,087 
                     
Dividends Paid                
                     
Net Income for the Year 2009           146,204    146,204 
                     
BALANCE - December 31, 2009   1,430,000    4,616,796    5,807,495    11,854,291 
                     
Dividends Paid                
                     
Net Income for the Year 2010           286,851    286,851 
                     
BALANCE - December 31, 2010   1,430,000    4,616,796    6,094,346    12,141,142 
                     
Dividends Paid                
                     
Net Income for the Year 2011           119,131    119,131 
                     
BALANCE - December 31, 2011  $1,430,000   $4,616,796   $6,213,477   $12,260,273 

 

See independent registered public accounting firm report on supplementary information.

 

 

75
 

Item 8 Changes in and Disagreements with Accountants on Accounting and Financial Disclosure - None

 

Item 8A(T) Controls and Procedures

 

Conclusion Regarding the Effectiveness of Disclosure Controls and Procedures

 

We maintain disclosure controls and procedures that are designed to ensure that information required to be disclosed in our Exchange Act reports is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms, and that such information is accumulated and communicated to management to allow timely decisions regarding required disclosure. Management necessarily applied its judgment in assessing the costs and benefits of such controls and procedures, which, by their nature, can provide only reasonable assurance regarding management’s control objectives.

 

With the participation of management, the certifying officers of the Company have evaluated the effectiveness of the design and operation of the Company’s disclosure controls and procedures as of December 31, 2011 and have concluded that such controls and procedures are effective. There have been no significant changes in the Company’s internal controls or in other factors that could significantly affect these controls subsequent to the date of their evaluation.

 

Management’s Annual Report on Internal Control over Financial Reporting

 

Our management is responsible for establishing and maintaining adequate internal control over financial report for the Company. Internal control over financial reporting is a process to provide reasonable assurance regarding the reliability of our financial reporting for external purposes in accordance with accounting principles generally accepted in the United States of America. Internal control over financial reporting includes maintaining records that in reasonable detail accurately and fairly reflect our transactions; providing reasonable assurance that transactions are recorded as necessary for preparation of our financial statements; providing reasonable assurance that receipts and expenditures of Company assets are made in accordance with management authorization; and providing reasonable assurance that unauthorized acquisition, use or disposition of Company assets that could have a material affect on our financial statements would have been prevented or detected on a timely basis. Because of the inherent limitations of internal control over financial reporting, misstatements may not be prevented or detected on a timely basis. Also, projections of any evaluation of the effectiveness of the internal control over financial reporting to future periods are subject to the risk that the controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

 

Management, with the participation of the certifying officers of the Company, assessed the effectiveness of our internal control over financial reporting as of December 31, 2011. In making this assessment, management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission (COSO) in Internal Control – Integrated Framework. Based on this assessment, management, with the participation of the certifying officers of the Company, believes that, as of December 31, 2011, the Company’s internal control over financial reporting is effective based on those criteria.

 

This annual report does not include an attestation report of the Company’s registered public accounting firm regarding internal control over financial reporting. Management’s report was not subject to attestation by the Company’s registered public accounting firm pursuant to temporary rules of the Securities and Exchange Commission that permit the Company to provide only management’s report in this annual report.

 

Item 8B Other Information

 

None

 

76
 

Item 9 Directors and Executive Officers of the Company

 

Directors and executive officers of the Company each serve for a term of one year.

 

         BOL BANCSHARES, INC.  
    Directors & Executive Officers  
       
Name Age Position with the Company and Bank of Louisiana
(the "Bank") and Principal Occupation
Director Since
       
G. Harrison Scott 88 Director; Chairman of the Board of the Company and the Bank, and President of the Company and the Bank. 1981
       
Franck F. LaBiche 65 Director of the Company and the Bank. President, Executone Systems Co. of La. Inc. 2004
       
Johnny C. Crow 60 Director of the Company and the Bank. Insurance Agent, New York Life Ins. Co. 2005
       
Sharry R. Scott 41 Director of the Company and the Bank. Assistant Attorney General, Louisiana Department of Justice 2005
       
A. Earle Cefalu, Jr. 73 Director of the Company and the Bank. General Manager, Hood Automotive 2009

 

Non-Director Executive Officer  
       
Name Age Position with the Company and the Bank
and Principal Occupation
 
       
Peggy L. Schaefer 60 Ms. Schaefer has served as Treasurer of the Company since 1988 and Senior Vice President and Chief Financial Officer of the Bank since 1996.  

 

No family relationships exist among the executive officers of the Company or the Bank. There is one family relationship that exists among the current directors, that of Mr. G. Harrison Scott and his daughter Sharry R. Scott. Except for service as a director of the Company, no director of the Company is a director of any other company with a class of securities registered pursuant to Section 12 of the Exchange Act or subject to the requirements of Section 15(b) of that act or any company registered as an investment company under the Investment Company Act of 1940.

 

Item 10 Executive Compensation

 

The Company pays no salaries or other compensation to its directors and executive officers. The Bank paid each director, other than Mr. Scott, a fee for attending each meeting of the Board of Directors, and each meeting of the Bank's Audit and Finance Committee and Executive Committee, in the amount of $400, $300, and $300, respectively.

 

From October 1, 1990, through June 30, 1992, the director-recipients loaned these fees to the Company. During the year 2006, the Company paid off the loans to the former directors for a total of $563,091, including principal and interest. During the year 2008, the Company paid one current director $223,282. As of December 31, 2011, the balance due was $167,075, including accrued and unpaid interest at the rate of 10% per annum. At this time, there is no maturity date on these loans.

 

77
 

The following table sets forth compensation for the Bank’s executive officer for the calendar years 2011, 2010, and 2009. No other executive officer received total compensation in excess of $100,000 during 2011.

 

    Annual Compensation Long Term Compensation    
          Awards   Payouts  
        Other Annual Restricted Stock Options/ LTIP All Other
Name and Principal Year Salary Bonus Compensation Award(s) SARs Payouts Compensation
Position   ($) ($) ($) ($) (#) ($) ($)
                 
G. Harrison Scott, 2011 89,800 0 45,577 0 0 0 0
Chairman of the Board 2010 89,800 0 82,000 0 0 0 0
& President of the Bank 2009 89,800 0 82,000 0 0 0 0

 

In addition to the cash compensation shown in the foregoing table, the Bank provided an automobile to Mr. Scott. Annual compensation does not include amounts attributable to miscellaneous benefits received by Mr. Scott. The cost to the Bank of providing such benefits did not exceed 10% of the total annual salary and bonus paid to Mr. Scott.

 

Committees of the Board of Directors of the Company and the Bank

 

The Company does not have standing audit or compensation committees of the Board of Directors, or committees performing similar functions. In lieu thereof, the Board of Directors as a group performs the foregoing functions.

 

During fiscal year 2011, the Board of Directors of the Company held a total of 4 meetings. Each director attended at least 75% of the aggregate of the meetings of the Board of Directors.

 

The Bank does not have standing nominating, or compensation committees of the Board of Directors, or committees performing similar functions. In lieu thereof, the Board of Directors as a group performs the foregoing functions.

 

During fiscal year 2011, the Board of Directors of the Bank held a total of 12 meetings. Each director attended at least 75% of the aggregate of the meetings of the Board of Directors and of the committees on which such director served.

 

The Board of Directors of the Bank has an Executive Committee consisting of five permanent members. The permanent members of the Executive Committee in 2011 were Messrs. Scott (chairman), Crow, LaBiche, and Ms. S. Scott, and the rotating member was A. Earle Cefalu, Jr. The Executive Committee formulates policy matters for determination by the Board of Directors and reviews financial reports, loan reports, new business, and other real estate owned information. The Executive Committee met 28 times in 2011.

 

The Board of Directors of the Bank does have an Audit and Finance Committee and does not have a charter. This committee meets monthly on the first Tuesday of the month. By Bank policy, the Audit and Finance Committee reviews information from management; reviews financial and delinquency reports; reviews the work performed by the Bank’s internal auditor and by the independent certified public accountant firm. In addition this committee also reviews capital expenditures in excess of $5,000; analyzes the Loan Loss Reserve adequacy; and approves charged off loans. The Audit and Finance Committee met 12 times in 2011.

 

The Audit and Finance Committee discloses the following:

 

1.They have reviewed and discussed the audited financial statements with management, and with the independent auditors.
2.They have received a letter and written disclosure from the independent auditors, and have discussed the independence of the auditors.
3.They have recommended to the Board of Directors that the financial statements as issued by the independent auditors be included in the Annual Report.

 

The permanent members of the Audit and Finance Committee were Messrs. LaBiche (chairman), S. Scott and Crow, and the rotating member was Cefalu.

 

78
 

Item 11 Security Ownership of Certain Beneficial Owners and Management

 

The following table sets forth as of December 31, 2011, certain information as to the Company Stock beneficially owned by (i) each person or entity, including any “group” as that term is used in Section 13(d) (3) of the Exchange Act, who or which was known to the Company to be the beneficial owner of more that 5% of the issued and outstanding Stock, (ii) the directors of the Company, (iii) all directors and executive officers of the Company and the Bank as a group.

 

  Common   Preferred
Name of Beneficial Owner Number Percent   Number Percent
             
Directors:            
G. Harrison Scott (Direct) 911 0.51%     157,673 8.76%
G. Harrison Scott (Beneficial owner of Scott Family, LLP) 104,687 58.43%       -
Franck F. LaBiche 500 0.28% (*)     -
Johnny C. Crow 1,899 1.06%       -
Sharry R. Scott - - (2)     -
A. Earle Cefalu, Jr. 500 0.28% (*)     -
             
All Directors & Executive Officers of the Company and the Bank as a group (6 persons) 108,497 60.56%     157,673 8.76%

 

(*)Represents less than 1% of the shares outstanding.
(1)Based upon information furnished by the respective persons. Pursuant to rules promulgated under the 1934 Act, a person is deemed to beneficially own shares of stock if he or she directly or indirectly has or shares (a) voting power, which includes the power to vote or to direct the voting of the shares; or (b) investment power, which includes the power to dispose or direct the disposition of the shares. Unless otherwise indicated, the named beneficial owner has sole voting power and sole investment power with respect to the indicated shares.
(2)Sharry R. Scott, through ownership of an interest in Scott Family LLP, owns 7,151 shares of common stock.

 

Item 12 Certain Relationships and Related Transactions

 

The Bank makes loans in the ordinary course of business to its directors and executive officers, on substantially the same terms, including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons, and do not involve more than the normal risk of collectability or present other unfavorable features. At December 31, 2011, one director had aggregate loan balances in excess of $60,000, which amounted to approximately $135,035 in the aggregate.

 

Item 13 Exhibits and Reports on Form 8-K

 

Exhibits

 

31.1 Section 302 Principal Executive Officer Certification

31.2 Section 302 Principal Financial Officer Certification

32.1 Section 1350 Certification

32.2 Section 1350 Certification

 

Reports on Form 8-K

 

NONE

 

79
 

Item 14 Principal Accountant Fees and Services

 

AUDIT FEES

 

The aggregate fees billed by LaPorte, Sehrt, Romig and Hand for its audit of the Company’s annual financial statements for 2011 and for its reviews of the Company’s unaudited interim financial statements included in Form 10-Q filed by the Company and other related audit fees during 2011 was $68,755. The fees billed for 2010 were $73,530.

 

Tax Fees

 

The aggregate fees billed by LaPorte, Sehrt, Romig and Hand for tax compliance, tax preparation, and tax review for 2011 were $14,651. The fees billed for 2010 were $20,302.

 

All Other Fees

 

The aggregate fees billed by LaPorte, Sehrt, Romig & Hand for other accounting services for 2011 were $2,500. The fees billed for 2010 were $741.

 

80
 

SIGNATURES

 

 

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

 

 

 

  BOL BANCSHARES, INC.
   
  /s/ G. Harrison Scott
March 30, 2012  G. Harrison Scott
Date Chairman
  (in his capacity as a duly authorized officer of the Registrant)
   
   
  /s/ Peggy L. Schaefer
  Peggy L. Schaefer
  Treasurer
  (in her capacity as Chief Accounting Officer of the Registrant)

 

 

 

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities indicated on March 30, 2012.

 

 

     
/s/ G. Harrison Scott   /s/ Johnny C. Crow
G. Harrison Scott – Director   Johnny C. Crow – Director
     
     
/s/ Franck F. LaBiche   /s/ Sharry R. Scott
Franck F. LaBiche – Director   Sharry R. Scott - Director
     
     
/s/ A. Earle Cefalu, Jr.    
A. Earle Cefalu, Jr.    
     

 

 

81
 

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Exhibit 31.1

 

CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, G. Harrison Scott, certify that:

 

1.I have reviewed this annual report on Form 10-K of BOL Bancshares, Inc;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed such internal controls over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant’s other certifying officer(s), and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: March 30, 2012

 

 

  /s/ G. Harrison Scott
  G. Harrison Scott
  Chairman

 

 

EX-31 6 ex31-2.htm

Exhibit 31.2

 

CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER

 

Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

 

I, Peggy L. Schaefer, certify that:

 

1.I have reviewed this annual report on Form 10-K of BOL Bancshares, Inc;
2.Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;
3.Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;
4.The registrant’s other certifying officers and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:
a)Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly during the period in which this report is being prepared;
b)Designed such internal controls over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and preparation of financial statements for external purposes in accordance with generally accepted accounting principles;
c)Evaluated the effectiveness of the registrant’s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
d)Disclosed in this report any change in the registrant’s internal control over financial reporting that occurred during the registrant’s most recent fiscal quarter (the registrant’s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant’s internal control over financial reporting; and
5.The registrant’s other certifying officer(s), and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant’s auditors and the audit committee of the registrant’s board of directors (or persons performing the equivalent functions):
a)All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely to adversely affect the registrant’s ability to record, process, summarize and report financial information; and
b)Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant’s internal control over financial reporting.

 

Date: March 30, 2012

 

 

 

  /s/ Peggy L. Schaefer
  Peggy L. Schaefer
  Treasurer

 

 

EX-32 7 ex32.htm

Exhibit 32

 

 

 

BOL BANCSHARES, INC.

 

CERTIFICATION OF PERIODIC FINANCIAL REPORT

 

Pursuant to 18 U.S.C. Section 1350

 

Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, each of the undersigned officers of BOL Bancshares, Inc. (“Company”) certifies that the Annual Report on Form 10-K of the Company for the fiscal year ended December 31, 2011 fully complies with the requirements of Section 13(a) or 15(d), as applicable, of the Securities Exchange Act of 1934 and information contained in that Form 10-K fairly presents, in all material respects, the financial condition and results of operations of the Company.

 

 

 

 

 

Date:  March 30, 2012 /s/ G. Harrison Scott
  G. Harrison Scott
  Chairman

 

 

 

 

Date:  March 30, 2012 /s/ Peggy L. Schaefer
  Peggy L. Schaefer
  Treasurer

 

 

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Financial Instruments
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Financial Instruments

NOTE Z   FINANCIAL INSTRUMENTS

 

The Company adopted ASC 820 on January 1, 2008 for all financial assets and liabilities and nonfinancial assets and liabilities that are recognized or disclosed at fair value in the financial statements on a recurring basis (at least annually). ASC 820 defines fair value, establishes a framework for measuring fair value, and expands disclosures about fair value measurements.

 

ASC 820 defines fair value as the price that would be received upon sale of an asset or paid upon transfer of a liability in an orderly transaction between market participants at the measurement date and in the principal or most advantageous market for that asset or liability. The fair value should be calculated based on assumptions that market participants would use in pricing the asset or liability, not on assumptions specific to the entity. In addition, the fair value of liabilities should include consideration of non-performance risk including our own credit risk.

 

In addition to defining fair value, ASC 820 expands the disclosure requirements around fair value and establishes a fair value hierarchy for valuation inputs. The hierarchy prioritizes the inputs into three levels based on the extent to which inputs used in measuring fair value are observable in the market. Each fair value measurement is reported in one of the three levels which is determined by the lowest level input that is significant to the fair value measurement in its entirety. These levels are:

 

·Level 1 - Inputs are based upon unadjusted quoted prices for identical instruments traded in active markets.

 

·Level 2 - Inputs are based upon quoted prices for similar instruments in active markets, quoted prices for identical or similar instruments in markets that are not active, and model-based valuation techniques for which all significant assumptions are observable in the market or can be corroborated by observable market date for substantially the full term of the assets or liabilities.

 

·Level 3 - Inputs are generally unobservable and typically reflect management’s estimates of assumptions that market participants would use in pricing the asset or liability. The fair values are therefore determined using model-based techniques that include option pricing models, discounted cash flow models, and similar techniques.

 

The preceding methods described may produce a fair value calculation that may not be indicative of the net realizable value or reflective of future fair values. Furthermore, although the Company believes its valuation methods are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different fair value measurement at the reporting date. There have been no changes in the methodologies used during the year ended December 31, 2011.

 

The following table presents the Company’s assets and liabilities measured at fair value on a recurring basis.

 

December 31, 2011  Level 1   Level 2   Level 3   Net Balance 
                 
Assets                    
Equity Securities  $   $1,037,475   $   $1,037,475 
                     
Total  $   $1,037,475   $   $1,037,475 
                     
December 31, 2010   Level 1    Level 2    Level 3    Net Balance 
                     
Assets                    
Equity Securities  $   $878,100   $   $878,100 
                     
Total  $   $878,100   $   $878,100 

 

The Company did not record any liabilities at fair market value for which measurement of the fair value was made on a recurring basis at December 31, 2011 or 2010.

 

The following table presents the Company’s assets and liabilities measured at fair value on a non-recurring basis.

 

December 31, 2011  Level 1   Level 2   Level 3   Net Balance 
                 
Assets                    
Impaired Loans  $   $4,183,527   $   $4,183,527 
Other Real Estate        4,597,336   $    4,597,336 
                     
Total  $   $8,780,863   $   $8,780,863 

 

December 31, 2010  Level 1   Level 2   Level 3   Net Balance 
                 
Assets                    
Impaired Loans  $   $5,072,134   $   $5,072,134 
Other Real Estate        3,137,074         3,137,074 
                     
Total  $   $8,209,208   $   $8,209,208 

 

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Notes Payable
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Notes Payable

 

NOTE R   NOTES PAYABLE

 

The following is a summary of notes payable at December 31, 2011 and 2010:

 

   December 31, 
   2011   2010 
         
Notes payable to a current Director of the Company, payable on demand, interest at 10%.  $144,201   $144,201 
           
Debentures payable, due July 2012, interest at 6%, callable at 103%, 102% and 101% of face value during the first, second, and third years, respectively, following the closing date,interest payable semi-annually, each $500 debenture secured by 71.50 shares of the Bank’s stock.   1,000,000    1,000,000 
   $1,144,201   $1,144,201 

 

Following are maturities of long-term debt:

 

 December 31,      
        
 2012   $1,144,201 
        
     $1,144,201 

 

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Loans
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Loans

 

NOTE B   LOANS

 

Major classifications of loans are as follows:

 

   December 31, 
   2011   2010 
         
Real Estate Mortgages:          
   Residential 1-4 Family  $21,157,199   $19,541,387 
   Commercial   15,786,519    20,281,907 
   Construction   6,399,173    9,023,499 
   Second Mortgages   820,257    948,686 
   Other   1,610,535    1,724,934 
    45,773,683    51,520,413 
           
Commercial   2,702,432    2,726,278 
Personal   1,496,019    1,191,139 
Credit Cards   6,038,529    6,321,359 
Overdrafts   209,979    276,932 
   Total Loans   56,220,642    62,036,121 
           
Allowance for Loan Losses   (1,800,000)   (1,800,000)
Deferred Loan Fees   (39,673)   (35,607)
           
   Loans, Net  $54,380,969   $60,200,514 

 

The following is a classification of loans by rate and maturity: (Dollar amounts in thousands)

 

   December 31, 
   2011   2010 
Fixed Rate Loans:          
Maturing in 3 Months or Less  $13,495   $13,785 
Maturing Between 3 and 12 Months   25,114    29,769 
Maturing Between 1 and 5 Years   15,024    14,154 
Maturing After 5 Years   571    631 
Total Fixed Rate Loans   54,204    58,339 
Variable Rate Loans:          
Maturing Quarterly or More Frequently   721    723 
Maturing Between 3 and 12 Months       698 
Maturing Between 3 and 12 Months        
Non-Accrual Loans   1,295    2,276 
Total Variable Rate Loans   2,016    3,697 
           
Total Loans  $56,220   $62,036 

 

The Company’s loan portfolio segments consist of the following:

 

Real Estate Loans – Consists of residential first and second mortgage loans on one-to-four family homes; construction and development loans; multiple dwelling unit loans; housing rehabilitation loans; loans to purchase developed real property; and commercial real estate loans. Commercial real estate, multi-family residential and construction lending generally is considered to involve a higher degree of risk than single-family residential lending due to a variety of factors, including generally larger loan balances, the dependency on successful completion or operation of the project for repayment, the difficulties in estimating construction costs and loan terms which often do not require full amortization of the loan over its term and, instead, provide for a balloon payment at stated maturity. As a result of the larger loan balances typically involved in these loans, an adverse development with respect to one loan or one credit relationship can expose us to greater risk of loss compared to an adverse development with respect to a one- to four-family residential mortgage loan.

 

Commercial Loans (Secured and Unsecured) – Consists of working capital loans, secured and unsecured lines of credit, and small equipment loans. Commercial lending involves certain risk relating to changes in local and national economic conditions and the resulting effect on commercial borrowers. Such loans are subject to greater risk of default during periods of adverse economic conditions. Because such loans may be secured by equipment, inventory, accounts receivable and other non-real estate assets, the collateral may not be sufficient to ensure full payment of the loan in the event of a default. To reduce such risk, we may obtain the personal guarantees of one or more of the principals of the borrowers.

 

Personal/Consumer Loans – Consists of automobile, mobile home, recreational vehicle, and boat loans; home improvement and second-mortgage loans; secured and unsecured personal expense loans. Significant risks associated with consumer loans consist primarily of negative changes in the financial stability of the borrower and the lack of marketability of collateral.

 

Credit Cards – The Bank offers a variety of nationally recognized credit cards, in addition to its own Mr. Bol credit card, and private label credit cards for use at retail establishments nationwide. Credit card lines are underwritten using conservative credit criteria, including past credit history and debt-to-income ratios.

 

The Bank has a number of proprietary accounts it services. These accounts consist largely of small to medium sized merchants who have issued their own private-label cards. The Bank acquires these credit card accounts, typically with reserves posted, and requires the merchant to repurchase accounts 180 days or more past due.

 

Loans are considered past due of the required principal and interest payments have not been received as of the date of such payments were due. Loans are placed on non-accrual status, when, in management’s opinion, the borrower may be unable to meet payment obligations as they become due, as well as when required by regulatory provisions. Loans may be placed on non-accrual status regardless of whether or not such loans are considered past due.

 

Non-accrual loans, segregated by class of loans, as of December 31, 2011 and 2010, are as follows:

 

   December 31, 
   2011   2010 
         
Real Estate Mortgages          
 Residential 1 - 4 Family  $619,155   $793,001 
 Commercial   130,392    100,567 
 Construction   470,633    1,370,855 
 Second Mortgages        
 Other        
Commercial   63,180     
Personal   11,793    11,793 
Credit Cards        
Overdrafts        
           
 Total  $1,295,153   $2,276,216 

 

An aging analysis of past due loans, segregated by class of loans, is as follows (Dollar amounts in thousands):

 

   December 31, 2011 
   Loans   Loans               Accruing 
   30-89   90 or More   Total           Loans 90 or 
   Days   Days   Past Due   Current   Total   More Days 
   Past Due   Past Due   Loans   Loans   Loans   Past Due 
                         
Real Estate                              
1 - 4 Family Residential  $2,212   $1,635   $3,847   $17,310   $21,157   $1,015 
Commercial       299    299    15,487    15,786    169 
Construction   214    853    1,067    5,332    6,399    382 
Second Mortgages   12        12    808    820     
Other               1,611    1,611     
Commercial   27    1,077    1,104    1,598    2,702    1,014 
Personal   70    54    124    1,372    1,496    43 
Credit Cards   127    68    195    5,844    6,039    68 
Overdrafts   98    8    106    104    210    8 
                               
Total  $2,760   $3,994   $6,754   $49,466   $56,220   $2,699 

 

   December 31, 2010 
   Loans   Loans               Accruing 
   30-89   90 or More   Total           Loans 90 or 
   Days   Days   Past Due   Current   Total   More Days 
   Past Due   Past Due   Loans   Loans   Loans   Past Due 
                         
Real Estate                              
1 - 4 Family Residential  $1,467   $2,410   $3,877   $15,664   $19,541   $1,617 
Commercial   328    101    429    19,853    20,282     
Construction   406    1,371    1,777    7,247    9,024     
Second Mortgages   29        29    920    949     
Other   279        279    1,446    1,725     
Commercial   461    1    462    2,264    2,726    1 
Personal   63    22    85    1,106    1,191    11 
Credit Cards   129    56    185    6,136    6,321    56 
Overdrafts   4    210    214    63    277    210 
                               
Total  $3,166   $4,171   $7,337   $54,699   $62,036   $1,895 

 

The Company’s loan portfolio also includes certain loans that have been modified in a Troubled Debt Restructuring (TDR), where economic concessions have been granted to borrowers who have experienced or are expected to experience financial difficulties. These concessions typically result from the Company’s loss mitigation activities and could include reductions in the interest rate, payment extensions, or other actions.

 

When the Company modifies a loan, management evaluates any possible concession based on the present value of expected future cash flows, discounted at the contractual interest rate of the original loan agreement, except when the sole source of repayment for the loan is the liquidation of the collateral. In these cases, management uses the current fair value of the collateral, less selling costs. If management determines that the value of the modified loan is less than the recorded investment in the loan, impairment is recognized through an allowance estimate.

 

The TDRs shown in the following table were modified by either an interest rate adjustment or extension of the maturity date:

 

Loan Type  Number
of Loans
   Pre-
Modification
Recorded
Investment
   Post-
Modification
Recorded
Investment
   Specific
Reserves
Allocated
 
                     
Real Estate:                    
  1 - 4 Family Residential   7   $2,387,623   $2,387,623   $369,811 
Commercial   2    300,793    300,793    68,736 
                     
    Total   9   $2,688,416   $2,688,416   $438,547 

 

The following table presents TDRs modified during the year ended December 31, 2011:

 

Loan Type  Number
of Loans
   Pre-
Modification
Recorded
Investment
   Post-
Modification
Recorded
Investment
   Specific
Reserves
Allocated
 
                     
Real Estate:                    
  1 - 4 Family Residential   3   $1,094,784   $1,084,784   $247,835 
Commercial   2    300,793    300,793    68,736 
                     
    Total   5   $1,395,577   $1,385,577   $316,571 

 

At December 31, 2011, there are no commitments to lend additional funds to any borrower whose loan terms have been modified in a troubled debt restructuring.

 

Loans are considered impaired when, based on current information and events, it is probable that the Company will be unable to collect all amounts due in accordance with the original contractual terms of the loan agreement, including scheduled principal and interest payments. If a loan is impaired, a specific valuation allowance is allocated, if necessary, so that the loan is reported net, at the present value of estimated future cash flows using the loan’s existing rate or at the fair value of collateral if repayment is expected solely from the collateral. Impaired loans, or portions thereof, are charged off when deemed uncollectible.

 

   December 31, 2011 
   Unpaid   Recorded   Recorded         
   Contractual   Investment   Investment   Total     
   Principal   with No   with   Recorded   Related 
   Balance   Allowance   Allowance   Investment   Allowance 
                     
Real Estate                         
1 - 4 Family Residential  $3,006,778   $524,480   $2,482,298   $3,006,778   $501,655 
Commercial   130,392        130,392    130,392    26,530 
Construction   670,591        670,591    670,591    198,617 
Second Mortgages                    
Other                    
Commercial   363,973        363,973    363,973    81,625 
Personal   11,793        11,793    11,793    6,323 
Credit Cards                    
Overdrafts                    
                          
Total  $4,183,527   $524,480   $3,659,047   $4,183,527   $814,750 

 

   December 31, 2010 
   Unpaid   Recorded   Recorded         
   Contractual   Investment   Investment   Total     
   Principal   with No   with   Recorded   Related 
   Balance   Allowance   Allowance   Investment   Allowance 
                     
Real Estate                         
1 - 4 Family Residential  $3,061,009   $   $3,061,009   $3,061,009   $532,438 
Commercial                    
Construction   1,573,221        1,573,321    1,573,321    382,261 
Second Mortgages                    
Other   115,856        115,856    115,856    11,284 
Commercial   7,303        7,303    7,303    820 
Personal   108,894        108,894    108,894    5,362 
Credit Cards                    
Overdrafts   205,751        205,751    205,751    30,863 
                          
Total  $5,072,034   $   $5,072,134   $5,072,134   $963,028 

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Comprehensive Income
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Comprehensive Income

 

NOTE V   COMPREHENSIVE INCOME

 

Comprehensive income was comprised of changes in the Company’s unrealized holding gains or losses on securities available-for-sale during 2011, 2010 and 2009. The following represents the tax effects associated with the components of comprehensive income:

 

   December 31, 
   2011   2010   2009 
             
Gross Unrealized Holding Gains (Losses) Arising During the Period  $159,360   $63,800   $(8,676)
Tax (Expense) Benefit   (54,176)   (21,686)   2,950 
    105,184    42,114    (5,726)
                
Reclassification Adjustment for Gains Included in Net Income            
Tax Benefit            
             
                
Net Unrealized Holding Gains (Losses) Arising During the Period  $105,184   $42,114   $(5,726)

 

XML 20 R28.htm IDEA: XBRL DOCUMENT v2.4.0.6
Condensed Financial Information - Parent Company Only
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Condensed Financial Information - Parent Company Only

 

NOTE U   CONDENSED FINANCIAL INFORMATION - PARENT COMPANY ONLY

 

   December 31, 
   2011   2010 
         
ASSETS          
Due from Banks  $232,940   $268,465 
Securities Available-for-Sale, at Fair Value   1,006,695    847,320 
Other Assets   370    1,114 
Due from Subsidiary Bank   26,172    2,456 
Investment in Bank of Louisiana   12,186,089    12,094,914 
           
   $13,452,266   $13,214,269 
           
LIABILITIES AND STOCKHOLDERS' EQUITY          
Notes Payable  $1,144,201   $1,144,201 
Deferred Taxes   250,001    195,813 
Accrued Interest   48,026    33,604 
Shareholders' Equity   12,010,038    11,840,651 
           
   $13,452,266   $13,214,269 

 

   December 31, 
   2011   2010   2009 
             
INCOME               
Interest and Dividend Income  $40,296   $118,335   $5,412 
Miscellaneous Income           78,635 
                
    40,296    118,335    84,047 
EXPENSES               
Interest   74,421    74,584    93,782 
Other Expenses   5,627    4,746    5,630 
                
    80,048    79,330    99,412 
                
(LOSS) INCOME BEFORE EQUITY IN UNDISTRIBUTED EARNINGS OF SUBSIDIARY   (39,752)   39,005    (15,365)
                
Equity in Undistributed Earnings of Subsidiary   90,421    240,629    145,250 
                
INCOME BEFORE INCOME TAX BENEFIT   50,669    279,634    129,885 
                
INCOME TAX BENEFIT   23,717    19,496    5,291 
                
NET INCOME  $74.386   $299,130   $135,176 

 

   December 31, 
   2011   2010   2009 
             
OPERATING ACTIVITIES               
Net Income  $74,386   $299,130   $135,176 
Adjustments to Reconcile Net Income to Net Cash (Used in) Provided by Operating Activities               
Equity in Undistributed Earnings of Subsidiary   (90,421)   (240,629)   (145,250)
Net Decrease (Increase) in Other Assets   744    744    (1,489)
Net Increase (Decrease) in Other Liabilities   14,420    (24,701)   2,795 
                
Net Cash (Used in) Provided by               
     Operating Activities   (871)   34,544    (8,768)
                
FINANCING ACTIVITIES               
Preferred Stock Retired   (10,938)   (21,434)   (128,217)
(Increase) Decrease in Due to/from Subsidiary   (23,716)   (26,151)   51,350 
Proceeds from Issuance of Long-Term Debt           1,000,000 
Repayment of Long-Term Debt           (1,399,000)
                
Net Cash Used in Financing Activities   (34,654)   (47,585)   (475,867)
                
NET DECREASE IN CASH               
  AND CASH EQUIVALENTS   (35,525)   (13,041)   (484,635)
                
CASH AND CASH EQUIVALENTS -               
BEGINNING OF YEAR   268,465    281,506    766,141 
                
CASH AND CASH EQUIVALENTS -               
END OF YEAR  $232,940   $268,465   $281,506 

 

XML 21 R30.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Capital Requirements
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Regulatory Capital Requirements

 

NOTE W   REGULATORY CAPITAL REQUIREMENTS

 

As of December 31, 2011, the most recent notification from the FDIC categorized the Bank as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized “well capitalized” the Bank must maintain minimum leverage capital ratios and minimum amounts of capital to total "risk weighted" assets, as set forth in the table. Management philosophy and plans are directed to enhancing the financial stability of the Bank to ensure the continuity of operations.

 

The Bank's actual capital amounts and ratios are also presented in the table. (Dollars in thousands)

 

  December 31, 2011
          Required
          to be Well
      Required Capitalized Under
      for Capital Prompt Corrective
  Actual Adequacy Purposes Action Provisions
  Amount Ratio Amount Ratio Amount Ratio
             
Tier I Capital (to Average Assets) $12,187 13.49% $3,612 4.00% $4,516 5.00%
Tier I Capital (to Risk-Weighted Assets) $12,187 20.50% $2,378 4.00% $3,567 6.00%
Total Capital (to Risk-Weighted Assets) $12,943 21.77% $4,756 8.00% $5,945 10.00%

 

  December 31, 2010
          Required
          to be Well
      Required Capitalized Under
      for Capital Prompt Corrective
  Actual Adequacy Purposes Action Provisions
  Amount Ratio Amount Ratio Amount Ratio
             
Tier I Capital (to Average Assets) $12,096 12.83% $3,771 4.00% $4,714 5.00%
Tier I Capital (to Risk-Weighted Assets) $12,096 18.58% $2,603 4.00% $3,905 6.00%
Total Capital (to Risk-Weighted Assets) $12,922 19.85% $5,207 8.00% $6,509 10.00%
               

XML 22 R31.htm IDEA: XBRL DOCUMENT v2.4.0.6
Regulatory Matters - Memorandum of Understanding
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Regulatory Matters - Memorandum of Understanding

NOTE X   REGULATORY MATTERS – MEMORANDUM OF UNDERSTANDING

 

On April 19, 2011, the Bank consented to a Memorandum of Understanding (the “MOU”) issued by the Federal Deposit Insurance Corporation (“FDIC”) and the Office of Financial Institutions (“OFI”). The MOU provides for, among other things, the following items within specific time periods:

 

·The Bank shall reduce its level of adversely classified assets.
·The Bank shall reduce its level of past due loans.
·The Bank shall eliminate the extension of credit until all appropriate underwriting documentation is obtained.
·The Bank shall eliminate the extension of credit to borrowers for whom the Bank holds an uncollected charged-off asset or for which their credit is classified as “Substandard”.
·The Bank shall strengthen its loan review program.
·The Bank shall maintain an appropriate Allowance for Loan and Lease Losses.
·The Bank shall maintain a Tier 1 leverage capital ratio equal of at least 9%, a Tier 1 Risk Based Capital Ratio of 11% and a Total Risk Based Capital Ratio of 13%.
·The Bank shall not declare or pay any cash dividend without regulatory approval.
·The Bank shall review and amend its interest rate risk policy and procedures.
·The Bank shall provide for an independent evaluation of its management and information systems.
·The Bank shall review and update the Bank’s written strategic plan and profit plan.

 

While no assurance can be given, Bank management believes it has taken action toward complying with the provisions of the MOU. It is not presently determinable what actions, if any, bank regulators might take if requirements of the Memorandum are not complied within specified time periods.

XML 23 R8.htm IDEA: XBRL DOCUMENT v2.4.0.6
Summary of Significant Accounting Policies
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Summary of Significant Accounting Policies

NOTE A   SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

BUSINESS OF THE COMPANY

 

BOL BANCSHARES, INC. (the Company) was organized as a Louisiana corporation on May 7, 1981, for the purpose of becoming a registered bank holding company under the Bank Holding Company Act. The Company was inactive until April 29, 1988, when it acquired Bank of Louisiana, BOS Bancshares, Inc. and its wholly-owned subsidiary, Bank of the South, and Fidelity Bank and Trust Company of Slidell, Inc., and its wholly-owned subsidiary, Fidelity Land Co. in a business reorganization of entities under common control in a manner similar to a pooling of interest. The acquired companies are engaged in the banking industry.

 

PRINCIPLES OF CONSOLIDATION

 

The accompanying consolidated financial statements include the accounts of the Company and its wholly-owned subsidiary, Bank of Louisiana (the Bank) and its wholly-owned subsidiary, BOL Assets, LLC. In consolidation, significant inter-company accounts, transactions, and profits have been eliminated.

 

INVESTMENT SECURITIES

 

The Company classifies all investment securities as available for sale as of December 31, 2011 and 2010. Securities classified as available for sale are recorded at fair value, with unrealized gains and losses excluded from earnings and reported in other comprehensive income, net of taxes. Other-than-temporary impairment, deemed to be credit related, is charged to earnings as realized losses. Realized gains and losses on securities are included in net income. Cost of securities sold is recognized using the specific identification method.

 

Purchase premiums and discounts are recognized in interest income using methods approximating the interest method over the term of the securities.

 

LOANS AND UNEARNED INCOME

 

Loans are stated at the amount of unpaid principal, reduced by unearned discount and an allowance for loan losses. Unearned discounts on loans are recognized as income over the term of the loans on the interest method. Interest on other loans is calculated and credited to operations on a simple interest basis. Loans are charged against the allowance for loan losses when management believes that collectibility of the principal is unlikely. Loan origination fees and certain direct origination costs, when material, are capitalized and recognized as an adjustment of the yield on the related loan.

 

Interest income is not reported when full loan repayment is in doubt, typically when payments are past due over 90 days, unless the loan is in the process of collection and the underlying collateral fully supports the carrying value of the loan. If the decision is made to continue accruing interest on the loan, periodic reviews are made to confirm the accruing status of the loan. All interest accrued but not collected for these loans is reversed against income. Payments received on such loans are reported as principal reductions until qualifying for return to accrual basis. Loans are returned to accrual status when all of the principal and interest amounts contractually due are brought current and future payments are reasonably assured.

 

The Company considers a loan to be impaired when, based upon current information and events, it believes it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement. Loans are identified for impairment through, among other things, internally generated listings such as watch lists, past due reports, and overdraft listings, historical loss experience by type of loan, loan files lacking current financial data related to borrowers and guarantors, borrowers experiencing problems, loans secured by collateral that is not readily marketable and loans to borrowers in industries experiencing economic instability. The Company’s impaired loans include performing and non-performing loans in which full payment of principal or interest is not expected. The Company calculates an allowance required for impaired loans based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or at the loan’s observable market price or the fair value of its collateral, less costs to sell.

 

Impaired loans, or portions thereof, are charged off when deemed uncollectible, based on all available current and historical information, that it is probable a loss has been incurred. The information used in determining when a loss has been incurred include watch lists, contact with the customer, and other monthly reports provided to management.

 

TROUBLED DEBT RESTRUCTURINGS

 

Troubled Debt Restructurings (TDRs) occur when the Company agrees to significantly modify the original terms of a loan due to the deterioration in the financial condition of the borrower. TDRs are considered impaired loans. Upon designation as a TDR, the Company evaluates the borrower’s payment history, past due status, and ability to make payments based on the revised terms of the loan. If a loan was accruing prior to being modified as a TDR and if the Company concludes that the borrower is able to make such payments, and there are no other factors or circumstances that would cause it to conclude otherwise, the loan will remain on an accruing status. If a loan was on nonaccrual status at the time of the TDR, the loan will remain on nonaccrual status following the modification and may be returned to accrual status based on the policy for returning loans to accrual status.

 

ALLOWANCE FOR LOAN LOSSES

 

The allowance for loan losses is established through a provision for loan losses charged to expenses. Management’s policy is to maintain the allowance at a level believed, to the best of management’s knowledge, to cover all known and inherent losses in the portfolio. Management reviews the allowance for loan losses on a periodic basis in order to identify those inherent losses and to assess the overall collection probability of the loan portfolio. The evaluation process includes, among other things, an analysis of delinquency trends, non-performing loan trends, the level of charge-offs and recoveries, prior loss experience, total loans outstanding, the volume of loan originations, the type, size and geographic concentration of the Company’s loans, the value of collateral securing the loan, the borrower’s ability to repay and repayment performance, the number of loans requiring heightened management oversight, local economic conditions and industry experience. From this analysis, a general, specific and unallocated reserve is established, which totals the allowance for loan losses at each reporting date. Loans are charged against the allowance for loan losses when management believes that the collectibility of the principal is unlikely.

 

For real estate, commercial and consumer loans, management evaluates the average historical charge-off rate for the previous five years. However, charge-off trends occurring within the past 12 to 24 months are considered in determining an appropriate loss percentage to use in the Bank’s allowance estimate for these types of loans. For charge card loans, management considers the past two years of historical charge-offs in order to develop an appropriate allowance estimate.

 

OTHER REAL ESTATE

 

Real estate acquired through, or in lieu of, foreclosure is held for sale and is initially recorded at the lower of the loan balance or net realizable value. Subsequent to foreclosure, valuations are periodically performed by management and the assets are carried at the lower of cost or fair value less estimated costs of disposal. Any write-down to fair value at the time of transfer to Other Real Estate is charged to the allowance for loan losses. Adjustments to carrying value, revenue and expenses related to holding foreclosed assets are recorded in earnings as they occur.

 

PROPERTY, EQUIPMENT AND LEASEHOLD IMPROVEMENTS

 

Buildings, office equipment and leasehold improvements are stated at cost, less accumulated depreciation and amortization computed principally on the straight-line and modified accelerated cost recovery methods over the estimated useful lives of the assets. Leasehold improvements are generally depreciated over the lesser of the lease term or the estimated useful lives of the improvements. Maintenance and repairs are expensed as incurred while major additions and improvements are capitalized. Gains and losses on dispositions are included in current operations.

 

INCOME TAXES

 

The Company and its consolidated subsidiary file a consolidated Federal income tax return. Federal income taxes are allocated between the companies, in accordance with a written agreement.

 

Deferred income tax assets and liabilities are determined using the liability (or balance sheet) method. Under this method, the net deferred tax asset or liability is determined based on the tax effects of the temporary differences between the book and tax bases of the various balance sheet assets and liabilities and gives current recognition to changes in tax rates and laws. Realization of deferred tax assets is dependent upon the generation of a sufficient level of future taxable income and recoverable taxes paid in prior years. Although realization is not assured, management believes it is more likely than not that all of the deferred tax assets will be realized.

 

When tax returns are filed, it is highly certain that some positions taken would be sustained upon examination by the taxing authorities, while others are subject to uncertainty about the merits of the position taken or the amount of the position that would be ultimately sustained. The benefit of a tax position is recognized in the financial statements in the period during which, based on all available evidence, management believes it is more likely than not that the position will be sustained upon examination, including the resolution of appeals or litigation processes, if any. Tax positions taken are not offset or aggregated with other positions. Tax positions that meet the more-likely-than-not recognition threshold are measured as the largest amount of tax benefit that is more than 50% likely of being realized upon settlement with the applicable taxing authority. The portion of the benefits associated with tax positions taken that exceeds the amount measured as described above would be reflected as a liability for unrecognized tax benefits in the consolidated balance sheet along with any associated interest and penalties that would be payable to the taxing authorities upon examination. Interest and penalties associated with unrecognized tax benefits would be classified as additional income taxes in the statement of operations.

 

MEMBERSHIP FEES

 

Membership fees are collected in the anniversary month of the cardholder and are amortized over a twelve-month period using the straight-line method.

 

CASH AND DUE FROM BANKS

 

The Company considers all amounts due from banks, certificates of deposit with an original maturity of 90 days or less, Treasury Bills, and Federal Funds Sold, to be cash equivalents.

 

RESTRICTIONS ON CASH AND DUE FROM BANKS

 

The Bank is required to maintain non-interest bearing reserve balances to fulfill its reserve requirements. The average amount of the required reserve balance was approximately $930,000 and $955,000, for the years ended December 31, 2011 and 2010, respectively.

 

NON-DIRECT RESPONSE ADVERTISING

 

The Bank expenses advertising costs as incurred.

 

USE OF ESTIMATES

 

The preparation of financial statements in conformity with accounting principles generally accepted in the United States of America requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting period. Actual results could differ from those estimates. Material estimates that are particularly susceptible to significant change in the near term relate to the determination of the allowance for loan losses and deferred tax assets.

 

Most of the Bank’s activities are with customers located within the New Orleans area, except for credit card lending, which is nationwide. Note B discusses the types of lending that the Bank engages in and Note E discusses the type of securities that the Company invests in. The Bank does not have any significant concentrations in any one industry or customer.

 

RECENT ACCOUNTING PRONOUNCEMENTS

 

In December 2010, the FASB issued authoritative guidance that modified Step 1 of the goodwill impairment test for reporting units with zero or negative carrying amounts. For those reporting units, an entity is required to perform Step 2 of the goodwill impairment test if it is more likely than not that a goodwill impairment exists. In determining whether it is more likely than not that a goodwill impairment exists, an entity should consider whether there are any adverse qualitative factors indicating that an impairment may exist such as if an event occurs or circumstances change that would more likely than not reduce the fair value of a reporting unit below its carrying amount. This new authoritative guidance is effective on January 1, 2012 and is not expected to have a significant impact on the Company’s financial statements.

 

In April 2011, the FASB updated the accounting guidance on the evaluation of whether a restructuring constitutes a troubled debt restructuring. The guidance clarifies the creditor’s evaluation of whether it has granted a concession as well as the evaluation of whether a debtor is experiencing financial difficulties. The guidance also clarifies that a creditor is precluded from using the effective interest rate test in the debtor’s guidance on restructuring of payables when evaluating whether a restructuring constitutes a troubled debt restructuring. The new guidance will be effective for the fiscal year ending December 31, 2012.

 

In April 2011, the FASB amended the accounting guidance related to repurchase agreements and other agreements that both entitle and obligate a transferor to repurchase or redeem financial assets before their maturity. The amendments remove from the assessment of effective internal control the criterion relating to the transferor’s ability to repurchase or redeem financial assets on substantially the agreed terms, even in the event of default by the transferee. The amendments also eliminate the requirement to demonstrate that the transferor possesses adequate collateral to fund substantially all the cost of purchasing replacement financial assets. The guidance is effective January 1, 2012 and is not expected to have a significant impact on the Company’s financial statements.

 

In May 2011, the FASB amended the accounting guidance related to fair value measurement and disclosure, the result of which being common fair value measurement and disclosure requirements in U.S. GAAP and International Financial Reporting Standards. The FASB does not intend for the amendment to result in a change in the application of the requirements in Topic 820. Some of the amendments clarify the FASB’s intent about the application of existing fair value measurement requirements. Other amendments change a particular principle or requirement for measuring fair value or for disclosing information about fair value measurements. The amendments are effective January 1, 2012 with no significant impact expected on the Company’s financial statements.

 

In June 2011, the FASB amended the accounting guidance for presentation of other comprehensive income. The new guidance requires that all nonowner changes in stockholders equity be presented either in a single continuous statement of comprehensive income or in two separate but consecutive statements. The new guidance will be effective for the fiscal year ending December 31, 2012 and is not expected to have a significant impact on the Company’s financial statements. In addition, this guidance requires the entity to present on the face of the financial statements reclassification adjustments for items that are reclassified from other comprehensive income to net income in the statement(s) where the components of net income and the components of other comprehensive income are presented. In December 2011, the FASB issued an amendment to the guidance released in June 2011 to defer the changes related to the presentation of reclassification adjustments to give the FASB more time to reassess and evaluate alternative presentation formats. Thus, the requirements for the presentation of reclassifications out of accumulated other comprehensive income that were in place before the issuance of the June 2011 guidance were reinstated until their deliberation is complete.

 

In September 2011, the FASB amended guidance pertaining to goodwill impairment testing. The amendments permit an entity to first assess qualitative factors to determine whether it is more likely than not that the fair value of a reporting unit is less than its carrying amount as a basis for determining whether it is necessary to perform the two-step goodwill impairment test. An entity is not required to calculate the fair value of a reporting unit unless the entity determines that it is more likely than not that its fair value is less than its carrying amount. The guidance is effective January 1, 2012 with no significant impact expected on the Company’s financial statements.

 

In December 2011, the FASB issued guidance which relates to deconsolidation events. Under this amendment, when a parent (reporting entity) ceases to have a controlling financial interest in a subsidiary that is in substance real estate as a result of the default on the subsidiary’s nonrecourse debt, the reporting entity should apply the guidance in Subtopic 360-20, Property, Plant and Equipment - Real Estate Sales, to determine whether it should derecognize the in substance real estate. This guidance is effective for the fiscal year ending December 31, 2013 and is not expected to have a significant impact on the Company’s financial statements.

 

In December 2011, the FASB issued authoritative guidance to provide enhanced disclosures in the financial statements about offsetting and netting arrangements. The new guidance requires entities to disclose both gross information and net information about both instruments and transactions eligible for offset in the statement of financial position and instruments and transactions subject to an agreement similar to a master netting agreement. This guidance was issued to facilitate comparison between financial statements prepared on a U.S. GAAP and IFRS reporting. The new guidance is effective January 1, 2013 and is not expected to have a significant impact on the Company’s financial statements.

 

RECLASSIFICATION OF PRIOR YEAR AMOUNTS

 

Amounts in prior years’ consolidated financial statements are reclassified whenever necessary to conform to the current year’s presentation.

XML 24 R32.htm IDEA: XBRL DOCUMENT v2.4.0.6
Disclosure About Fair Value of Financial Instruments
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Disclosure About Fair Value of Financial Instruments

NOTE Y   DISCLOSURE ABOUT FAIR VALUE OF FINANCIAL INSTRUMENTS

 

The following methods and assumptions were used to estimate the fair value of each class of financial instruments for which it is practiced to estimate the value:

 

CASH AND SHORT-TERM INVESTMENTS

 

For cash, the carrying amount approximates fair value. For short-term investments, fair values are calculated based upon general investment market interest rates for similar maturity investments.

 

INVESTMENT SECURITIES

 

For securities and marketable equity securities held-for-investment purposes, fair values are based on quoted market prices.

 

LOAN RECEIVABLES

 

For certain homogeneous categories of loans, such as residential mortgages, credit card receivables and other consumer loans, fair value is estimated using the current U.S. treasury interest rate curve, a factor for cost of processing and a factor for historical credit risk to determine the discount rate.

 

DEPOSIT LIABILITIES

 

The fair value of demand deposits, savings deposits and certain money market deposits are calculated based upon general investment market interest rates for investments with similar maturities. The value of fixed maturity certificates of deposit is estimated using the U.S. treasury interest rate curve currently offered for deposits of similar remaining maturities.

 

COMMITMENTS TO EXTEND CREDIT

 

The fair value of commitments is estimated using the fees currently charged to enter into similar agreements, taking into account the remaining terms of the agreements and the present credit-worthiness of the counterparties.

 

The estimated fair values of the Company’s financial instruments are as follows:

 

   December 31, 2011 
   Carrying   Fair 
   Amount   Value 
Financial Assets:          
Cash and Short-Term Investments  $3,505,465   $3,505,465 
Certificates of Deposit   5,458,007    5,458,007 
Investment Securities   1,037,475    1,037,475 
Loans   56,220,645    56,071,449 
Less:  Allowance for Loan Losses   (1,800,000)   N/A     
   $64,421,592   $66,072,396 
Financial Liabilities:          
Deposits  $77,680,242   $77,726,063 
Unrecognized Financial Instruments:          
Commitments to Extend Credit  $2,079,480   $2,079,480 
Credit Card Arrangements   12,373,012    12,373,012 
   $14,452,492   $14,452,492 

 

   December 31, 2010 
   Carrying   Fair 
   Amount   Value 
Financial Assets:          
Cash and Short-Term Investments  $3,833,920   $3,833,920 
Certificates of Deposit   4,203,006    4,203,006 
Investment Securities   878,100    878,100 
Loans   62,036,121    62,053,562 
Less:  Allowance for Loan Losses   (1,800,000)   N/A     
   $69,151,147   $70,968,588 
Financial Liabilities:          
Deposits  $80,576,743   $80,674,660 
Unrecognized Financial Instruments:          
Commitments to Extend Credit  $1,762,870   $1,762,870 
Credit Card Arrangements   14,625,844    14,625,844 
   $16,388,714   $16,388,714 

 

XML 25 R2.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (USD $)
Dec. 31, 2011
Dec. 31, 2010
Cash and Cash Equivalents    
Cash and Due from Banks $ 3,505,465 $ 3,833,920
Federal Funds Sold 16,150,000 14,950,000
Total Cash and Cash Equivalents 19,655,465 18,783,920
Certificates of Deposit with Other Institutions 5,458,007 4,203,007
Investment Securities Available-for-Sale, at Fair Value 1,037,475 878,100
Loans-Less Allowance for Loan Losses of $1,800,000 in 2011 and in 2010 54,380,969 60,200,514
Property, Equipment and Leasehold Improvements (Net of Depreciation and Amortization) 5,654,026 5,855,711
Other Real Estate 4,597,336 3,137,074
Other Assets 843,722 1,191,997
Letters of Credit 90,120 90,120
TOTAL ASSETS 91,717,120 94,340,443
Deposits:    
Non-Interest Bearing 30,726,223 31,866,902
Interest Bearing 46,954,019 48,709,841
Notes Payable 1,144,201 1,144,201
Other Liabilities 369,900 270,955
Deferred Taxes 382,629 380,652
Letters of Credit Outstanding 90,120 90,120
Accrued Interest 108,604 104,980
TOTAL LIABILITIES 79,775,696 82,567,651
SHAREHOLDERS' EQUITY    
Preferred Stock - Par Value $1; 1,796,624 Shares Issued and Outstanding in 2011; 1,810,296 Shares Issued and Outstanding in 2010 1,796,624 1,810,296
Common Stock - Par Value $1; 179,145 Shares Issued and Outstanding in 2011 and 2010 179,145 179,145
Accumulated Other Comprehensive Income 618,489 513,305
Capital in Excess of Par - Retired Stock 197,939 195,205
Retained Earnings 9,149,227 9,074,841
TOTAL SHAREHOLDERS' EQUITY 11,941,424 11,772,792
TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY $ 91,717,120 $ 94,340,443
XML 26 R6.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Changes in Stockholders' Equity (USD $)
Preferred Stock
Common Stock
Accumulated Other Comprehensive Income
Capital In Excess of Par Retired Stock
Retained Earnings
Total
Beginning balance at Dec. 31, 2008 $ 1,997,360 $ 179,145 $ 476,917 $ 157,792 $ 8,640,535 $ 11,451,749
Preferred Stock Retired (160,271)     32,054   (128,217)
Other Comprehensive Income (Loss) Net of Applicable Deferred Income Taxes     (5,726)     (5,726)
Net Income         135,176 135,176
Ending balance at Dec. 31, 2009 1,837,089 179,145 471,191 189,846 8,775,711 11,452,982
Preferred Stock Retired (26,793)     5,359   (21,434)
Other Comprehensive Income (Loss) Net of Applicable Deferred Income Taxes     42,114     42,114
Net Income         299,130 299,130
Ending balance at Dec. 31, 2010 1,810,296 179,145 513,305 195,205 9,074,841 11,772,792
Preferred Stock Retired (13,672)     2,734   (10,938)
Other Comprehensive Income (Loss) Net of Applicable Deferred Income Taxes     105,184     105,184
Net Income         74,386 74,386
Ending balance at Dec. 31, 2011 $ 1,796,624 $ 179,145 $ 618,489 $ 197,939 $ 9,149,227 $ 11,941,424
XML 27 R22.htm IDEA: XBRL DOCUMENT v2.4.0.6
Funds Available for Dividends
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Funds Available for Dividends

 

NOTE O   FUNDS AVAILABLE FOR DIVIDENDS

 

The Bank is restricted under applicable laws and regulatory authority in the payment of cash dividends. Such laws generally restrict cash dividends to the extent of the Bank's earnings.

 

No dividends were paid by the Bank to BOL Bancshares, Inc. during the years ended December 31, 2011, 2010, and 2009.

XML 28 R24.htm IDEA: XBRL DOCUMENT v2.4.0.6
Employee Benefits
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Employee Benefits

 

NOTE Q   EMPLOYEE BENEFITS

 

Effective January 1, 2001, the Bank adopted a Section 401(k) savings plan. The Plan covers substantially all employees who are at least eighteen years old and have completed six months of continuous service. The Bank may make discretionary contributions and is not required to match employee contributions under the plan. The Bank made no contributions to the plan during the years ended December 31, 2011, 2010 or 2009.

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XML 30 R7.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Cash Flows (USD $)
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
OPERATING ACTIVITIES      
Net Income $ 74,386 $ 299,130 $ 135,176
Provision for Loan Losses 79,868 304,688 535,543
Charge-downs of Other Real Estate 13,072      
Depreciation and Amortization Expense 307,897 384,632 399,722
Deferred Income Taxes (52,211) (23,222) 257,523
Gain on Sale of Other Real Estate (15,599) (394,997)  
Increase in Deferred Loan Fees 4,066 5,281 10,394
Decrease (Increase) in Other Assets 348,275 315,976 (630,415)
Increase (Decrease) in Other Liabilities and Accrued Interest Payable 102,577 (89,216) (872,852)
Net Cash Provided by (Used in) Operating Activities 862,331 802,272 (164,909)
INVESTING ACTIVITIES      
(Increase) Decrease in Certificates of Deposit with Other Institutions (1,255,000) 990,890 (5,193,897)
Proceeds from Held-to-Maturity Investment Securities Released at Maturity       2,001,349
Proceeds from Sale or Disposal of Property and Equipment       592
Purchases of Property and Equipment (106,212) (99,147) (25,148)
Proceeds from Sale of Other Real Estate 59,004 395,000   
Capitalized Costs on Other Real Estate (20,608)      
Net Decrease (Increase) in Loans 4,239,469 (3,363,486) (4,088,977)
Net Cash Provided by (Used in) Investing Activities 2,916,653 (2,076,743) (7,306,081)
FINANCING ACTIVITIES      
Net (Decrease) Increase in Non-Interest Bearing and Interest Bearing Deposits (2,896,501) 1,489,413 (1,889,979)
Preferred Stock Retired (10,938) (21,434) (128,217)
Proceeds from Issuance of Long-Term Debt       1,000,000
Principal Payments on Long-Term Debt       (1,399,000)
Net Cash Used in (Provided by) Financing Activities (2,907,439) 1,467,979 (2,417,196)
Net Increase (Decrease) in Cash and Cash Equivalents 871,545 193,508 (9,888,186)
Cash and Cash Equivalents - Beginning of Year 18,783,920 18,590,412 28,478,598
Cash and Cash Equivalents - End of Year 19,655,465 18,783,920 18,590,412
SUPPLEMENTAL DISCLOSURES:      
Additions to Other Real Estate Thru Foreclosure 1,496,131 1,125,187 858,963
Cash Paid During the Year for Interest 422,364 482,100 506,903
Cash Paid During the Year for Income Taxes 22,000      
Market Value Adjustment for Unrealized Gain on Securities Available-for-Sale $ 159,360 $ 63,800 $ (8,676)
XML 31 R3.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Balance Sheets (Parenthetical) (USD $)
Dec. 31, 2011
Dec. 31, 2010
Statement of Financial Position [Abstract]    
Allowance for loan losses $ 1,800,000 $ 1,800,000
Preferred stock, par value $ 1 $ 1
Preferred stock, issued shares 1,796,624 1,810,296
Preferred stock, outstanding shares 1,796,624 1,810,296
Common stock, par value $ 1 $ 1
Common stock, issued shares 179,145 179,145
Common stock, outstanding shares 179,145 179,145
XML 32 R17.htm IDEA: XBRL DOCUMENT v2.4.0.6
Contingent Liabilities and Commitments
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Contingent Liabilities and Commitments

 

NOTE J   CONTINGENT LIABILITIES AND COMMITMENTS

 

The Bank's financial statements do not reflect various commitments and contingent liabilities which arise in the normal course of business and which involve elements of credit risk, interest rate risk and liquidity risk. These commitments and contingent liabilities are commitments to extend credit. A summary of the Bank's commitments and contingent liabilities are as follows:

 

   2011   2010 
         
Credit Card Arrangements  $12,373,012   $14,625,844 
Commitments to Extend Credit   2,079,480    1,762,870 

 

Commitments to extend credit, credit card arrangements and standby letters of credit all include exposure to some credit loss in the event of nonperformance of the customer. The Bank's credit policies and procedures for credit commitments and financial guarantees are the same as those for extension of credit that are recorded on the consolidated balance sheets. Because these instruments have fixed maturity dates, and because many of them expire without being drawn upon, they do not generally present any significant liquidity risk to the Bank.

 

In August 2005, Hurricane Katrina impacted the New Orleans area. Several of the Bank’s branches sustained significant damage as a result of the hurricane. In addition, due to concessions made to customers to facilitate the timely processing of transactions, the Bank has estimated that it has sustained losses. As a result of these losses, the Bank received approximately $2,090,000 of insurance proceeds. Due to the uncertainty of the financial impact of Katrina, these proceeds were recorded as an escrow account on the balance sheet of the Bank. Impairment losses and expenditures associated with repairs to the Bank’s facilities were applied against this account. During 2009, the Bank recognized into income the remaining balance in the escrow account, which totaled approximately $817,000.

XML 33 R1.htm IDEA: XBRL DOCUMENT v2.4.0.6
Document and Entity Information (USD $)
12 Months Ended
Dec. 31, 2011
Mar. 29, 2012
Document And Entity Information    
Entity Registrant Name BOL BANCSHARES INC  
Entity Central Index Key 0000832818  
Document Type 10-K  
Document Period End Date Dec. 31, 2011  
Amendment Flag false  
Current Fiscal Year End Date --12-31  
Is Entity a Well-known Seasoned Issuer? No  
Is Entity a Voluntary Filer? No  
Is Entity's Reporting Status Current? Yes  
Entity Filer Category Smaller Reporting Company  
Entity Public Float   $ 1,864,752
Entity Common Stock, Shares Outstanding   179,145
Document Fiscal Period Focus FY  
Document Fiscal Year Focus 2011  
XML 34 R18.htm IDEA: XBRL DOCUMENT v2.4.0.6
Related Party Transactions
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Related Party Transactions

 

NOTE K   RELATED PARTY TRANSACTIONS

 

In the ordinary course of business, the Bank makes loans to its directors, officers and principal holders of equity securities. These loans are made on substantially the same terms including interest rates and collateral, as those prevailing at the time for comparable transactions with other persons. An analysis of loans made to directors, officers and principal holders of equity securities, including companies in which they have a significant ownership interest, is as follows:

 

   2011   2010 
Balance - January 1  $1,077,302   $1,186,284 
New Loans Made   137,465    508,722 
Repayments   (33,087)   (617,704)
           
Balance - December 31  $1,181,680   $1,077,302 

 

During the years ended December 31, 2011, 2010, and 2009, legal fees paid to a director totaled $-0-, $8,795 and $12,352, respectively.

 

At December 31, 2011 and 2010, amounts due to Directors of the Company, including accrued interest, totaled $167,076 and $152,655, respectively. These amounts, which are included in Notes Payable and Accrued Interest Payable in the accompanying consolidated balance sheets, are payable on demand and bear interest at 10% per annum. Of the debentures payable at December 31, 2011 and 2010, $105,000 were to Directors of the Company (see Note R).

XML 35 R4.htm IDEA: XBRL DOCUMENT v2.4.0.6
Consolidated Statements of Income (USD $)
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Income Statement [Abstract]      
INTEREST INCOME $ 5,791,760 $ 6,066,653 $ 6,110,909
INTEREST EXPENSE 425,988 447,238 484,314
Net Interest Income 5,365,772 5,619,415 5,626,595
PROVISION FOR LOAN LOSSES 79,868 304,688 535,543
Net Interest Income After Provision for Loan Losses 5,285,904 5,314,727 5,091,052
OTHER INCOME      
Service Charges on Deposit Accounts 444,348 467,201 416,897
Cardholder & Other Credit Card Income 412,565 428,254 436,458
Gain on Katrina Insurance Recovery       817,077
Other Non-Interest Income 158,080 590,251 318,788
Total Other Income 1,014,993 1,485,706 1,989,220
OTHER EXPENSES      
Salaries and Employee Benefits 2,371,869 2,615,106 2,764,527
Occupancy Expense 917,419 1,059,723 1,040,332
Outsourcing Fees 1,330,991 1,352,124 1,321,717
Other Non-Interest Expense 1,568,060 1,550,373 1,741,338
Total Other Expenses 6,188,339 6,577,326 6,867,914
INCOME BEFORE INCOME TAX EXPENSE 112,558 223,107 212,358
INCOME TAX EXPENSE (BENEFIT) 38,172 (76,023) 77,182
NET INCOME $ 74,386 $ 299,130 $ 135,176
EARNINGS PER SHARE OF COMMON STOCK $ 0.42 $ 1.67 $ 0.75
XML 36 R12.htm IDEA: XBRL DOCUMENT v2.4.0.6
Income Taxes
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Income Taxes

 

NOTE E   INCOME TAXES

 

The components of the provision for income tax expense (benefit) are:

 

   2011   2010   2009 
Current  $90,383   $(52,797)  $(193,165)
Deferred   (52,211)   (23,226)   270,347 
                
Total Provision for Income Taxes  $38,172   $(76,023)  $77,182 

 

A reconciliation of income tax at the statutory rate to income tax expense at the Company's effective rate is as follows:

 

   2011   2010   2009 
Computed Tax Expense (Benefit) at the Expected Statutory Rate  $38,270   $75,856   $72,202 
Katrina Tax Credits       (2,164)   (35,513)
Other Adjustments   (98)   (149,715)   40,493 
Income Tax Expense for Operations  $38,172   $(76,023)  $77,182 

 

Certain income and expense items are accounted for differently for financial reporting purposes than for income tax purposes. Provisions for deferred taxes are made in recognition of these temporary differences and are measured using the income tax rates applicable to the period when the differences are expected to be realized or settled.

 

The major temporary differences, which created deferred tax assets and liabilities, are as follows:

 

   2011   2010 
Deferred Tax Assets:          
Other Real Estate  $201,713   $199,748 
Allowance for Loan Loss   212,372    195,757 
Expenses Accrued for Books   10,200     
   Total Deferred Tax Assets   424,285    395,505 
           
Deferred Tax Liabilities:          
Section 481A Adjustment - Prepaid Expenses   (64,213)   (84,563)
Unrealized Gain on Securities   (299,697)   (245,509)
Fixed Assets   (443,004)   (446,085)
Total Deferred Tax Liabilities   (806,914)   (776,157)
           
   Net Deferred Tax Liability  $(382,629)  $(380,652)

 

The Company had no amount of interest and penalties recognized in the consolidated statements of operations for neither the years ended December 31, 2011 and 2010, respectively, nor any amount of interest and penalties recognized in the consolidated balance sheets as of December 31, 2011 and 2010, respectively.

 

All tax returns have been appropriately filed by the Company. The Company’s tax filings are subject to audit by various taxing authorities. The Company’s Federal tax returns for 2008, 2009 and 2010 are subject to examination by the IRS, generally for three years after they were filed. As of December 31, 2011, management evaluated the Company’s tax position and concluded that the Company has taken no uncertain tax positions that require adjustment to the consolidated financial statements.

XML 37 R11.htm IDEA: XBRL DOCUMENT v2.4.0.6
Investment Securities
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Investment Securities

 

NOTE D   INVESTMENT SECURITIES

 

The amortized cost and fair value of securities available for sale, with gross unrealized gains and losses, at December 31, 2011 and 2010 follows:

 

   December 31, 2011 
       Gross   Gross     
   Amortized   Unrealized   Unrealized   Fair 
   Cost   Gains   Losses   Value 
                     
Equity Securities  $302,180   $735,295   $   $1,037,475 

 

 

   December 31, 2010 
       Gross   Gross     
   Amortized   Unrealized   Unrealized   Fair 
   Cost   Gains   Losses   Value 
                     
Equity Securities  $302,180   $575,920   $   $878,100 

 

At December 31, 2011 and 2010, the Bank had no securities pledged.

XML 38 R23.htm IDEA: XBRL DOCUMENT v2.4.0.6
Concentrations of Credit
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Concentrations of Credit

 

NOTE P   CONCENTRATIONS OF CREDIT

 

All of the Bank's loans, commitments, and commercial and standby letters of credit have been granted to customers in the Bank's market area. All such customers are depositors of the Bank. The concentrations of credit by type of loan are set forth in Note B. Commercial letters of credit were granted primarily to commercial borrowers.

XML 39 R19.htm IDEA: XBRL DOCUMENT v2.4.0.6
Leases
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Leases

 

NOTE L   LEASES

 

The Bank leases office space under agreements expiring in various years through November 2016. In addition, the Bank rents office space on a month-to-month basis from non-related groups.

 

The total minimum rental commitment at December 31, 2011, under the leases is due as follows:

 

 December 31,      
 2012   $179,183 
 2013    181,048 
 2014    182,913 
 2015    184,778 
 2016    141,955 
        
     $869,877 

 

For the years ended December 31, 2011, 2010 and 2009, $249,036, $243,701 and $227,714 was charged to rent expense, respectively.

 

The Bank is the lessor of office space under operating leases expiring in various years through December 2018. Minimum future rentals to be received on non-cancelable leases as of December 31, 2011 follows:

 

 December 31,      
 2012   $117,541 
 2013    73,677 
 2014    33,482 
 2015    30,522 
 2016    30,522 
 Thereafter    61,044 
        
     $346,788 

 

XML 40 R15.htm IDEA: XBRL DOCUMENT v2.4.0.6
Stockholders' Equity
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Stockholders' Equity

 

NOTE H   STOCKHOLDERS' EQUITY

 

PREFERRED STOCK

 

8%, non-cumulative, non-participating, non-convertible, par value 3,000,000 shares authorized, 1,796,624 shares issued and outstanding in 2011, and 3,000,000 shares authorized, 1,810,296 shares issued and outstanding in 2010. Preferred stock ranks prior to common stock as to dividends and liquidation.

 

COMMON STOCK

 

Par value $1; 1,000,000 shares authorized, 179,145 shares issued and outstanding in 2011 and 2010.

XML 41 R13.htm IDEA: XBRL DOCUMENT v2.4.0.6
Property, Equipment and Leasehold Improvements
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Property, Equipment and Leasehold Improvements

 

XML 42 R14.htm IDEA: XBRL DOCUMENT v2.4.0.6
Allowance for Loan Losses
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Allowance for Loan Losses

 

NOTE G   ALLOWANCE FOR LOAN LOSSES

 

Changes in the allowance for loan losses by portfolio segment as of December 31, 2011 and 2010 are as follows:

 

   December 31, 2011 
   Real
Estate
   Commercial   Personal   Credit
Cards
   Overdrafts   Unallocated   Total 
                             
Beginning Balance  $970,452   $45,287   $17,763   $367,544   $31,171   $367,783   $1,800,000 
                                    
Provision for Possible Loan losses   (64,307)   203,169    27,180    79,683    (14,637)   (151,220)   79,868 
                                    
Charge-Offs   (19,153)   (15,959)   (6,376)   (222,520)   (6,500)   (25)   (270,533)
Recoveries   58,359        3,649    127,575    986    96    190,665 
                                    
   Net Charge-Offs   39,206    (15,959)   (2,727)   (94,945)   (5,514)   71    (79,868)
                                    
   Ending Balance  $945,351   $232,497   $42,216   $352,282   $11,020   $216,634   $1,800,000 
                                    
Period-End Amount Allocated to:                                   
Loans Individually Evaluated for Impairment  $726,802   $81,625   $6,323   $   $   $   $814,750 
Loans Collectively Evaluated for Impairment   218,549    150,872    35,893    352,282    11,020    216,634    985,250 
                                    
Ending Balance  $945,351   $232,497   $42,216   $352,282   $11,020   $216,634   $1,800,000 

 

   December 31, 2010 
   Real
Estate
   Commercial   Personal   Credit
Cards
   Overdrafts   Unallocated   Total 
                             
Beginning Balance  $1,229,554   $125,487   $67,616   $360,976   $13,033   $3,334   $1,800,000 
                                    
Provision for Possible Loan losses   (256,220)   (105,250)   (43,117)   312,444    32,382    364,449    304,688 
                                    
Charge-Offs   (4,371)       (6,736)   (476,737)   (16,704)       (504,548)
Recoveries   1,489    25,050        170,861    2,460        199,860 
                                    
   Net Charge-Offs   (2,882)   25,050    (6,736)   (305,876)   (14,244)       (304,688)
                                    
   Ending Balance  $970,452   $45,287   $17,763   $367,544   $31,171   $367,783   $1,800,000 
                                    
Period-End Amount Allocated to:                                   
Loans Individually Evaluated for Impairment  $925,985   $820   $5,363   $   $30,862   $   $963,030 
Loans Collectively Evaluated for Impairment   44,467    44,467    12,400    367,544    309    367,783    836,970 
                                    
Ending Balance  $970,452   $45,287   $17,763   $367,544   $31,171   $367,783   $1,800,000 

 

Despite the above allocation, the allowance for credit losses is general in nature and is available to absorb losses from any loan type.

 

From a credit risk standpoint, the Company classifies it loans in one four categories: (i) pass, (ii) watch, (iii) substandard or (iv) doubtful.

 

The classification of loans reflect a judgment about the risks of default and loss associated with the loan. The Company reviews the ratings on credits monthly. Ratings are adjusted to reflect the degree of risk and loss that is felt to be inherent in each credit as of each monthly reporting period. The methodology is structured so that specific allocations are increased in accordance with deterioration in credit quality (and a corresponding increase in risk and loss) or decreased in accordance with improvement in credit quality (and a corresponding decrease in risk and loss).

 

Credits rated “pass” are those which comply with all material respects with the Bank’s loan policies, that are adequately secured with conforming collateral and that are extended to borrowers with documented cash flow and/or liquidity to safely cover their total debt service requirements.

 

Credits rated “watch” show clear signs of financial weakness or deterioration in credit worthiness; however, such concerns are not so pronounced that the Company generally expects to experience significant loss within the short-term. Such credits typically maintain the ability to perform within standard credit terms and credit exposure is not as prominent as credits rated more harshly.

 

Credits rated “substandard” are those in which the normal repayment of principal and interest may be, or has been jeopardized by reason of adverse trends or developments in financial, managerial, economic or political nature, or important weaknesses exist in collateral. Corrective action is required to strengthen the Company’s position, and/or to reduce exposure and to assure that adequate remedial measures are taken by the borrower. Credit exposure becomes more likely in such credits.

 

Credits rated “doubtful” are those in which full collection of principal appears highly questionable, and which some degree of loss is anticipated, even though the ultimate amount of loss may not yet be certain and/or other factors exist which could affect collection of debt. Based upon available information, positive action by the Company is required to avert or minimize loss. Credits rated doubtful are generally also placed on nonaccrual.

 

The following table summarizes the Company’s internal ratings of its loans:

 

   December 31, 2011 
   Real           Credit         
   Estate   Commercial   Personal   Cards   Overdrafts   Total 
                         
Pass  $39,964,153   $1,324,958   $1,429,987   $6,038,528   $129,572   $48,887,198 
Watch   970,861    2,423                973,284 
Substandard   3,627,554    1,363,746    66,032        80,408    5,137,740 
Doubtful   1,211,115    11,305                1,222,420 
                               
 Totals  $45,773,683   $2,702,432   $1,496,019   $6,038,528   $209,980   $56,220,642 

 

   December 31, 2010 
   Real           Credit         
   Estate   Commercial   Personal   Cards   Overdrafts   Total 
                         
Pass  $44,399,289   $1,546,798   $1,082,245   $6,321,359   $   $53,349,691 
Watch   2,382,733    1,160,384            71,181    3,614,298 
Substandard   2,473,968    7,303    108,894        205,751    2,795,916 
Doubtful   2,264,423        11,793            2,276,216 
                               
 Totals  $51,520,413   $2,714,485   $1,202,932   $6,321,359   $276,932   $62,036,121 

 

XML 43 R16.htm IDEA: XBRL DOCUMENT v2.4.0.6
Earnings Per Share
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Earnings Per Share

 

NOTE I   EARNINGS PER COMMON SHARE

 

Earnings per share are computed using the weighted average number of shares outstanding, which were 179,145 in 2011, 2010 and 2009. There was no provision for dividends for the years ended December 31, 2011, 2010 or 2009.

XML 44 R34.htm IDEA: XBRL DOCUMENT v2.4.0.6
Evaluation of Subsequent Events
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Evaluation of Subsequent Events

NOTE AA   EVALUATION OF SUBSEQUENT EVENTS

 

In accordance with ASC No. 855, the Company has evaluated subsequent events through March 5, 2012, the date these financial statements were available to be issued. There were no material subsequent events that required recognition or additional disclosure in these financial statements.

XML 45 R21.htm IDEA: XBRL DOCUMENT v2.4.0.6
Deposits
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Deposits

 

NOTE N   DEPOSITS

 

Major classifications of interest bearing deposits are as follows:

 

   December 31, 
   2011   2010 
         
NOW Accounts  $10,897,338   $11,184,196 
Money Market Accounts   3,697,477    3,948,540 
Savings Accounts   19,841,509    20,156,625 
Certificates of Deposit Greater Than $100,000   4,907,733    5,247,747 
Other Certificates of Deposit   7,609,962    8,172,733 
   $46,954,019   $48,709,841 

 

The maturities of Certificates of Deposit Greater than $100,000 at December 31, 2011 are as follows:

 

Three Months or Less  $1,042,506 
After Three Months Through One Year   2,253,497 
Over One Year Through Three Years   1,411,730 
Over Three Years   200,000 
      
   $4,907,733 

 

At December 31, 2011 and 2010, overdraft demand deposits reclassified to loans totaled $209,979 and $276,932, respectively.

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XML 47 R26.htm IDEA: XBRL DOCUMENT v2.4.0.6
Interest Income and Interest Expense
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Interest Income and Interest Expense

 

NOTE S   INTEREST INCOME AND INTEREST EXPENSE

 

Major categories of interest income and interest expense are as follows:

 

   December 31, 
   2011   2010   2009 
             
INTEREST INCOME               
Interest and Fees on Loans:               
Real Estate Loans  $3,395,911   $3,588,326   $3,531,844 
Installment Loans   126,077    138,452    132,183 
Credit Cards and Related Plans   1,883,551    1,985,136    2,092,520 
Commercial and All Other Loans   326,790    264,302    237,431 
Interest on Certificates of Deposit   34,195    54,790    58,028 
Interest and Dividends on Investment Securities   7,788    15,496    33,933 
Interest on Federal Funds Sold   17,448    20,151    24,970 
                
   $5,791,760   $6,066,653   $6,110,909 
                
                
INTEREST EXPENSE               
Interest on Time Deposits of $100,000 or More  $44,949   $59,406   $81,297 
Interest on Other Deposits   306,618    313,248    309,235 
Interest on Notes Payable   74,421    74,584    93,782 
                
   $425,988   $447,238   $484,314 

 

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Consolidated Statements of Comprehensive Income (USD $)
12 Months Ended
Dec. 31, 2011
Dec. 31, 2010
Dec. 31, 2009
Consolidated Statements Of Comprehensive Income      
NET INCOME $ 74,386 $ 299,130 $ 135,176
OTHER COMPREHENSIVE INCOME, NET OF TAX      
Unrealized Holding Gains (Losses) on Investment Securities Available-for-Sale, Arising During the Period 105,184 42,114 (5,726)
OTHER COMPREHENSIVE INCOME (LOSS) 105,184 42,114 (5,726)
COMPREHENSIVE INCOME $ 179,570 $ 341,244 $ 129,450
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Other Real Estate
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Other Real Estate

 

NOTE C   OTHER REAL ESTATE

 

Other Real Estate consists of real estate acquired through foreclosure or deed taken in lieu of foreclosure. A summary of the activity of Other Real Estate follows:

 

   Years Ended December 31, 
   2011   2010 
         
Balance, Beginning of Year  $3,137,074   $2,011,887 
Transfers from Loans   1,496,131    1,125,190 
Recognition of Impairment in Value   (13,072)    
Capitalized Costs   20,608     
Proceeds from Sale   (59,004)   (395,000)
Gain (Loss) on Sale   15,599    394,997 
           
Balance, End of Year  $4,597,336   $3,137,074 

 

The net income (expense) from Other Real Estate totaled ($233,369) in 2011, $59,392 in 2010, and ($124,855) in 2009.

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Non-interest Income and Non-interest Expenses
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Non-interest Income and Non-interest Expenses

 

NOTE T   NON-INTEREST INCOME AND NON-INTEREST EXPENSES

 

Major categories of other non-interest income and non-interest expenses are as follows:

 

   December 31, 
   2011   2010   2009 
             
OTHER NON-INTEREST INCOME               
Other Commission and Fees  $69,124   $57,749   $64,062 
Other Real Estate Income   24,600    395,022    9,271 
Other Income   64,356    137,480    245,455 
                
   $158,080   $590,251   $318,788 
                
                
OTHER NON-INTEREST EXPENSES               
Loan and Charge Card Expenses  $118,518   $115,551   $125,737 
Communications   227,161    215,654    218,627 
Stationery, Forms and Supplies   89,390    83,737    91,985 
Professional Fees   305,429    286,517    257,246 
Insurance and Assessments   202,462    181,347    224,677 
Advertising   12,079    10,870    1,702 
Miscellaneous Losses   424    2,943    710 
Promotional Expenses   58,174    57,042    61,307 
Other Real Estate Expenses   257,969    335,630    134,126 
Other Expenses   296,454    261,082    625,221 
                
   $1,568,060   $1,550,373   $1,741,338 

 

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Letters of Credit
12 Months Ended
Dec. 31, 2011
Notes to Financial Statements  
Letters of Credit

 

NOTE M   LETTERS OF CREDIT

 

Standby Letters of Credit obligate the Bank to meet certain financial obligations of its clients, if, under the contractual terms of the agreement, the clients are unable to do so. These instruments are primarily issued to support public and private financial commitments, including commercial paper, bond financing, initial margin requirements on futures exchanges and similar transactions. Outstanding letters of credit were $90,120 as of December 31, 2011 and 2010. Of the $90,120 in letters of credit at December 31, 2011 and 2010, $57,700 was secured by real property, $7,420 was secured by cash and $25,000 was unsecured. All of the letters of credit are scheduled to mature in 2012.