FDIC Certificate #: 25720 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:First Bank and Trust (#33405) Federal Reserve ID: 56230 Date Established: November 01, 1984 Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 5 (Interstate: No) OTS Docket #: 16073 FDIC's unique #: 17597 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: November 01, 1984 Last Structure Change Effective Date: December 31, 2008 Last Structure Change Process Date: January 13, 2009 Last Data Update: January 13, 2009 Data Source Date: April 05, 2012
Location
Address: 201 West Oak Street, Amite, LA 70422 County: Tangipahoa 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 Core Based Statistical Area (CBSA): Hammond, LA (#25220) CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $103.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2007)
Dollar figures in thousands
45Total employees (full-time equivalent)
$107,816Total assets
$3,152Cash and due from depository institutions
$56Interest-bearing balances
$18,605Securities
$3,900Federal funds sold & reverse repurchase agreements
$77,806Net loans & leases
$998Loan loss allowance
$0Trading account assets
$2,989Bank premises and fixed assets
$181Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,183All other assets
$107,816Total liabilities and capital
$99,016Total liabilities
$98,219Total deposits
$78,663Interest-bearing deposits
$98,219Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$797All other liabilities
$8,800Total equity capital
$8,800Total bank equity capital
$8,800Perpetual preferred stock
$0Common stock
$1,250Surplus
$4,066Undivided profits
Memoranda
$3,484Noncurrent loans and leases
$3,799Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$68Earning assets
$0Long-term assets (5+ years)
$699Average Assets, year-to-date
$100,367Average Assets, quarterly
$10,879Volatile liabilities
$106,712Insider loans
$108,146FHLB advances
$21,694Loans and leases held for sale
$2,025Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,799Total unused commitments
$0Restructured Loans and leases
$963Derivatives
Income and Expense (December 31, 2007)
Dollar figures in thousands
$7,937Total interest income
$3,011Total interest expense
$4,926Net interest income
-$86Provision for loan and lease losses
$912Total noninterest income
$0Fiduciary activities
$677Service charges on deposit accounts
$0Trading account gains & fees
$235Additional noninterest income
$3,835Total noninterest expense
$1,988Salaries and employee benefits
$511Premises and equipment expense
$1,336Additional noninterest expense
$2,089Pre-tax net operating income
$25Securities gains (losses)
$0Applicable income taxes
$2,114Income before extraordinary items
$0Extraordinary gains - net
$2,114Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$37Sale, conversion, retirement of capital stock, net
$1,209Net operating income
Performance and Condition Ratios (December 31, 2007)
Dollar figures in thousands
Performance Ratios (%, annualized)
8.08%Yield on earning assets
3.06%Cost of funding earning assets
5.01%Net interest margin
0.93%Noninterest income to earning assets
3.90%Noninterest expense to earning assets
1.96%Net operating income to assets
1.98%Return on assets (ROA)
1.98%Pretax return on assets
26.27%Return on equity (ROE)
11.25%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
-232.43%Credit loss provision to net charge-offs
54.14%Efficiency ratio
65,690Assets per employee
2.40%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.19%Loss allowance to loans
1.27%Loss allowance to noncurrent loans
1467.65%Noncurrent assets plus other real estate owned to assets
0.23%Noncurrent loans to loans
0.09%Net loans and leases to deposits
79.22%Net loans and leases to core deposits
101.67%Equity capital to assets
8.16%Core capital (leverage) ratio
8.15%Tier 1 risk-based capital ratio
11.36%Total risk-based capital ratio
Memoranda
$13Average assets
$106,712Average earning assets
$8,046Average equity
$98,290Average loans
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 Peoples Bank of 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.
Comment about this bank, ask questions, or add new information about it: