Bank of Commerce and Trust Company in St. Francisville, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 15, 1997

Bank of Commerce and Trust Company in St. Francisville, Louisiana (LA)
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Bank of Commerce and Trust Company - Overview

General
FDIC Certificate #: 8146
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Whitney Bank (#33029)
Federal Reserve ID: 94531
Date Established: January 01, 1915
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
OTS Docket #: 13353
FDIC's unique #: 5191
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 15, 1997
Last Structure Change Process Date: September 18, 1997
Last Data Update: September 18, 1997
Data Source Date: April 05, 2012
Location
Address: 263 Jackson Road, St. Francisville, LA 70775
County: West Feliciana
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
Financial Summary
Total assets: $29.2 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$23Total assets
$28,767Cash and due from depository institutions
$2,731Interest-bearing balances
$995Securities
$5,325Federal funds sold & reverse repurchase agreements
$2,400Net loans & leases
$17,334Loan loss allowance
$311Trading account assets
$0Bank premises and fixed assets
$498Other real estate owned
$166Goodwill and other intangibles
$313Life insurance assets
$0All other assets
$0Total liabilities and capital
$28,767Total liabilities
$26,687Total deposits
$26,272Interest-bearing deposits
$20,993Deposits held in domestic offices
26272.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$415Total equity capital
$415Total bank equity capital
$2,080Perpetual preferred stock
$0Common stock
$355Surplus
$1,825Undivided profits
Memoranda
$-100Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$547Income earned, not collected on loans
$159Earning assets
$26,054Long-term assets (5+ years)
$3,134Average Assets, year-to-date
$28,914Average Assets, quarterly
$29,195Volatile liabilities
$1,867Insider loans
$457FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$125Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,083Total risk weighted assets
$14,141Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,096Total interest expense
$752Net interest income
$1,344Provision for loan and lease losses
-$25Total noninterest income
$283Fiduciary activities
$0Service charges on deposit accounts
$229Trading account gains & fees
$0Additional noninterest income
$54Total noninterest expense
$1,145Salaries and employee benefits
$572Premises and equipment expense
$213Additional noninterest expense
$360Pre-tax net operating income
$507Securities gains (losses)
$0Applicable income taxes
$174Income before extraordinary items
$333Extraordinary gains - net
$0Net income attributable to bank
$333Net charge-offs
$37Cash dividends
$330Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.12%Cost of funding earning assets
2.91%Net interest margin
5.21%Noninterest income to earning assets
1.10%Noninterest expense to earning assets
4.44%Net operating income to assets
1.15%Return on assets (ROA)
1.15%Pretax return on assets
1.75%Return on equity (ROE)
16.11%Retained earnings to average equity (YTD only)
0.15%Net charge-offs to loans
0.21%Credit loss provision to net charge-offs
-67.57%Efficiency ratio
70,375Assets per employee
1.25%Cash dividends to net income (YTD only)
Condition Ratios (%)
99.10%Loss allowance to loans
1.76%Loss allowance to noncurrent loans
56.86%Noncurrent assets plus other real estate owned to assets
2.48%Noncurrent loans to loans
3.10%Net loans and leases to deposits
65.98%Net loans and leases to core deposits
71.03%Equity capital to assets
7.23%Core capital (leverage) ratio
7.20%Tier 1 risk-based capital ratio
14.73%Total risk-based capital ratio
Memoranda
$16Average assets
$28,914Average earning assets
$2,066Average equity
$25,804Average loans

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