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First State Bank and Trust Company in Plain Dealing, Louisiana (LA)
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First State Bank and Trust Company - Overview

General
FDIC Certificate #: 8528
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Peoples Bank & Trust Company (#8525)
Federal Reserve ID: 137054
Date Established: September 01, 1921
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 1 (Interstate: No)
FDIC's unique #: 5436
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: November 07, 1997
Last Structure Change Process Date: December 31, 1997
Last Data Update: December 31, 1997
Data Source Date: April 05, 2012
Location
Address: 309 East Palmetto Avenue, Plain Dealing, LA 71064
County: Bossier
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
Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
Financial Summary
Total assets: $41.5 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)
$20Total assets
$43,187Cash and due from depository institutions
$1,042Interest-bearing balances
$0Securities
$19,247Federal funds sold & reverse repurchase agreements
$3,530Net loans & leases
$16,557Loan loss allowance
$320Trading account assets
$0Bank premises and fixed assets
$193Other real estate owned
$134Goodwill and other intangibles
$468Life insurance assets
$2,016All other assets
$0Total liabilities and capital
$43,187Total liabilities
$37,745Total deposits
$37,313Interest-bearing deposits
$33,876Deposits held in domestic offices
37313.00%% insured (estimated)
$96Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$432Total equity capital
$432Total bank equity capital
$5,442Perpetual preferred stock
$0Common stock
$300Surplus
$4,861Undivided profits
Memoranda
$281Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$262Income earned, not collected on loans
$165Earning assets
$39,334Long-term assets (5+ years)
$3,258Average Assets, year-to-date
$44,116Average Assets, quarterly
$43,851Volatile liabilities
$7,296Insider loans
$135FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,421Total risk weighted assets
$18,259Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$3,114Total interest expense
$1,556Net interest income
$1,558Provision for loan and lease losses
$8Total noninterest income
$191Fiduciary activities
$0Service charges on deposit accounts
$134Trading account gains & fees
$0Additional noninterest income
$57Total noninterest expense
$1,266Salaries and employee benefits
$596Premises and equipment expense
$164Additional noninterest expense
$506Pre-tax net operating income
$475Securities gains (losses)
$0Applicable income taxes
$199Income before extraordinary items
$276Extraordinary gains - net
$0Net income attributable to bank
$276Net charge-offs
$46Cash dividends
$0Sale, 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
7.65%Cost of funding earning assets
3.82%Net interest margin
3.83%Noninterest income to earning assets
0.47%Noninterest expense to earning assets
3.11%Net operating income to assets
0.63%Return on assets (ROA)
0.63%Pretax return on assets
1.08%Return on equity (ROE)
5.07%Retained earnings to average equity (YTD only)
5.07%Net charge-offs to loans
0.28%Credit loss provision to net charge-offs
17.39%Efficiency ratio
59,577Assets per employee
2.16%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.90%Loss allowance to noncurrent loans
122.14%Noncurrent assets plus other real estate owned to assets
0.92%Noncurrent loans to loans
1.55%Net loans and leases to deposits
44.37%Net loans and leases to core deposits
55.16%Equity capital to assets
12.60%Core capital (leverage) ratio
8.16%Tier 1 risk-based capital ratio
18.74%Total risk-based capital ratio
Memoranda
$20Average assets
$44,116Average earning assets
$5,445Average equity
$40,724Average loans

First State Bank and Trust Company in Plain Dealing, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust Company - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

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

First State Bank and Trust Company in Plain Dealing, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

First State Bank and Trust Company - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

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

First State Bank and Trust Company in Plain Dealing, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches