FDIC Certificate #: 17340 Status: Active Federal Reserve ID: 568238 Bank Holding Company (Regulatory Top Holder): Cpb Bancshares, Inc. (RSSDID: 3477528, Location: Church Point, LA) Date Established: July 15, 1954 WWW:http://www.churchpointbank.com Trust Powers Granted: No Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) FDIC's unique #: 11350 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: All Other Specialization < 1 Billion Date of Deposit Insurance: July 15, 1954 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 114 N Main St, Church Point, LA 70525 County: Acadia 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 Metropolitan Statistical Area (MSA): Lafayette, LA (#3880) Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318) Core Based Statistical Area (CBSA): Crowley, LA (#18940) CBSA Micro Statistical Area: Yes
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $42.5 mil Equity capital: $4.8 mil Deposits held in domestic offices: $37.7 mil Return on assets (ROA): 0.44% ($0.2 mil) Quarterly return on assets: 0.31% ($0.1 mil) Return on Equity (ROE): 4.14% ($0.2 mil) Quarterly return on equity: 2.83% ($0.1 mil) Net income: $0.2 mil Quarterly Net income: $0.0 mil Pretax return on assets: 0.44% ($186.9 mil) Quarterly Pretax return on assets: 0.31% ($131.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
18Total employees (full-time equivalent)
$42,488Total assets
$11,471Cash and due from depository institutions
$9,498Interest-bearing balances
$10,919Securities
$750Federal funds sold & reverse repurchase agreements
$17,758Net loans & leases
$256Loan loss allowance
$0Trading account assets
$818Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$42,488Life insurance assets
$772All other assets
$37,718Total liabilities and capital
$37,656Total liabilities
$27,237Total deposits
$37,656Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$62Subordinated debt
$4,770All other liabilities
$4,770Total equity capital
$4,770Total bank equity capital
$0Perpetual preferred stock
$296Common stock
$1,050Surplus
$3,424Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$19Income earned, not collected on loans
$0Earning assets
$182Long-term assets (5+ years)
$38,925Average Assets, year-to-date
$6,319Average Assets, quarterly
$44,055Volatile liabilities
$43,735Insider loans
$20,891FHLB advances
$43,763Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$4,457Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,974Restructured Loans and leases
$104Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$1,601Total interest income
$148Total interest expense
$1,453Net interest income
$16Provision for loan and lease losses
$347Total noninterest income
$0Fiduciary activities
$299Service charges on deposit accounts
$0Trading account gains & fees
$48Additional noninterest income
$1,600Total noninterest expense
$881Salaries and employee benefits
$257Premises and equipment expense
$462Additional noninterest expense
$184Pre-tax net operating income
$9Securities gains (losses)
$0Applicable income taxes
$193Income before extraordinary items
$0Extraordinary gains - net
$193Net income attributable to bank
$0Net charge-offs
$193Cash dividends
$54Sale, conversion, retirement of capital stock, net
$77Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.03%Yield on earning assets
0.37%Cost of funding earning assets
3.66%Net interest margin
0.87%Noninterest income to earning assets
4.03%Noninterest expense to earning assets
0.42%Net operating income to assets
0.44%Return on assets (ROA)
0.44%Pretax return on assets
4.14%Return on equity (ROE)
2.49%Retained earnings to average equity (YTD only)
0.31%Net charge-offs to loans
29.63%Credit loss provision to net charge-offs
3.70%Efficiency ratio
88,889Assets per employee
2.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.90%Loss allowance to loans
1.42%Loss allowance to noncurrent loans
1347.37%Noncurrent assets plus other real estate owned to assets
0.04%Noncurrent loans to loans
0.11%Net loans and leases to deposits
47.16%Net loans and leases to core deposits
48.16%Equity capital to assets
11.23%Core capital (leverage) ratio
10.18%Tier 1 risk-based capital ratio
21.33%Total risk-based capital ratio
Memoranda
$23Average assets
$44,055Average earning assets
$4,666Average equity
$39,691Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
11350
Church Point Bank And Trust Company
114 N Main St, Church Point, LA 70525
July 15, 1954
Full Service Brick and Mortar
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