Exchange Bank and Trust Company, Natchitoches, Louisiana in Natchitoches, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Exchange Bank and Trust Company, Natchitoches, Louisiana in Natchitoches, Louisiana (LA)
  • Show street view No street view available for this location
Exchange Bank and Trust Company, Natchitoches, Louisiana routing number info

Exchange Bank and Trust Company, Natchitoches, Louisiana - Overview

  • General
  • FDIC Certificate #: 10528
    Status: Active
    Federal Reserve ID: 985451
    Bank Holding Company (Regulatory Top Holder): Exchange Bancshares, Inc. (RSSDID: 1106525, Location: Natchitoches, LA)
    Date Established: September 28, 1892
    WWW: http://www.exchange-bank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11399
    FDIC's unique #: 6743
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 25, 2008
    Last Structure Change Process Date: January 25, 2008
    Last Data Update: January 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 700 Front Street, Natchitoches, LA 71457
    County: Natchitoches
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Natchitoches, LA (#35060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
  • Financial Summary
  • Total assets: $111.4 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $94.7 mil
    Return on assets (ROA): 1.87% ($2.1 mil)
    Quarterly return on assets: 2.59% ($2.9 mil)
    Return on Equity (ROE): 13.48% ($2.0 mil)
    Quarterly return on equity: 18.33% ($2.7 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.87% ($2,082.3 mil)
    Quarterly Pretax return on assets: 2.59% ($2,884.0 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
  • 28Total employees (full-time equivalent)
  • $111,353Total assets
  • $2,287Cash and due from depository institutions
  • $472Interest-bearing balances
  • $59,498Securities
  • $1,600Federal funds sold & reverse repurchase agreements
  • $43,927Net loans & leases
  • $761Loan loss allowance
  • $0Trading account assets
  • $1,044Bank premises and fixed assets
  • $295Other real estate owned
  • $1,581Goodwill and other intangibles
  • $111,353Life insurance assets
  • $1,121All other assets
  • $96,004Total liabilities and capital
  • $94,691Total liabilities
  • $75,845Total deposits
  • $94,691Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 1155.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $158Subordinated debt
  • $15,349All other liabilities
  • $15,349Total equity capital
  • $15,349Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $11,048Surplus
  • $3,951Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $188Income earned, not collected on loans
  • $0Earning assets
  • $588Long-term assets (5+ years)
  • $105,497Average Assets, year-to-date
  • $53,456Average Assets, quarterly
  • $108,370Volatile liabilities
  • $110,403Insider loans
  • $50,837FHLB advances
  • $109,290Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,588Restructured Loans and leases
  • $1,747Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,604Total interest income
  • $353Total interest expense
  • $4,251Net interest income
  • -$300Provision for loan and lease losses
  • $661Total noninterest income
  • $0Fiduciary activities
  • $339Service charges on deposit accounts
  • $0Trading account gains & fees
  • $322Additional noninterest income
  • $3,185Total noninterest expense
  • $1,440Salaries and employee benefits
  • $353Premises and equipment expense
  • $1,392Additional noninterest expense
  • $2,027Pre-tax net operating income
  • $3Securities gains (losses)
  • $0Applicable income taxes
  • $2,030Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,030Net income attributable to bank
  • $0Net charge-offs
  • $2,030Cash dividends
  • -$45Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.87%Net operating income to assets
  • 1.87%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 13.48%Return on equity (ROE)
  • 0.20%Retained earnings to average equity (YTD only)
  • -0.10%Net charge-offs to loans
  • 666.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,189Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.52%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 404.79%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 46.39%Net loans and leases to core deposits
  • 47.65%Equity capital to assets
  • 13.78%Core capital (leverage) ratio
  • 10.55%Tier 1 risk-based capital ratio
  • 22.68%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $108,370Average earning assets
  • $15,057Average equity
  • $101,870Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    06743Exchange Bank And Trust Company, Natchitoches, Louisiana700 Front Street, Natchitoches, LA 71457September 28, 1892Full Service Brick and Mortar
    3225557East Natchitoches Branch104 Highway 1 South, Natchitoches, LA 71457September 29, 1967Limited Service Facility

Comment about this bank, ask questions, or add new information about it:

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Exchange Bank and Trust Company, Natchitoches, Louisiana.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents