FDIC Certificate #: 19800 Status: Active Federal Reserve ID: 89032 Bank Holding Company (Regulatory Top Holder): Plaquemine Bancshares Corporation (RSSDID: 1086355, Location: Plaquemine, LA) Date Established: April 01, 1968 WWW:http://www.plaqbank.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) OTS Docket #: 12895 FDIC's unique #: 13594 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: No Asset Concentration Hierarchy: Commercial Lending Specialization Date of Deposit Insurance: April 01, 1968 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: 805 Eden Street, Plaquemine, LA 70764 County: Iberville 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)
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $125.4 mil Equity capital: $14.3 mil Deposits held in domestic offices: $110.1 mil Return on assets (ROA): 0.58% ($0.7 mil) Quarterly return on assets: 0.68% ($0.8 mil) Return on Equity (ROE): 5.19% ($0.7 mil) Quarterly return on equity: 5.85% ($0.8 mil) Net income: $0.7 mil Quarterly Net income: $0.2 mil Pretax return on assets: 0.79% ($990.8 mil) Quarterly Pretax return on assets: 0.77% ($965.7 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ 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
36Total employees (full-time equivalent)
$125,417Total assets
$21,417Cash and due from depository institutions
$18,301Interest-bearing balances
$28,369Securities
$1,800Federal funds sold & reverse repurchase agreements
$68,271Net loans & leases
$473Loan loss allowance
$0Trading account assets
$1,170Bank premises and fixed assets
$755Other real estate owned
$0Goodwill and other intangibles
$125,417Life insurance assets
$3,635All other assets
$111,080Total liabilities and capital
$110,086Total liabilities
$86,793Total deposits
$110,086Interest-bearing deposits
$98Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$994Subordinated debt
$14,337All other liabilities
$14,337Total equity capital
$14,337Total bank equity capital
$0Perpetual preferred stock
$600Common stock
$1,050Surplus
$12,687Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,352Income earned, not collected on loans
$498Earning assets
$598Long-term assets (5+ years)
$116,741Average Assets, year-to-date
$1,660Average Assets, quarterly
$126,343Volatile liabilities
$123,150Insider loans
$72,938FHLB advances
$120,045Loans and leases held for sale
$1,705Unused loan commitments
$1,705Tier 1 (core) risk-based capital
$14,248Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$7,087Restructured Loans and leases
$218Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$5,491Total interest income
$1,149Total interest expense
$4,342Net interest income
$132Provision for loan and lease losses
$640Total noninterest income
$0Fiduciary activities
$343Service charges on deposit accounts
$0Trading account gains & fees
$297Additional noninterest income
$3,852Total noninterest expense
$1,754Salaries and employee benefits
$792Premises and equipment expense
$1,306Additional noninterest expense
$998Pre-tax net operating income
$0Securities gains (losses)
$262Applicable income taxes
$736Income before extraordinary items
$0Extraordinary gains - net
$736Net income attributable to bank
$0Net charge-offs
$736Cash dividends
$249Sale, conversion, retirement of capital stock, net
$247Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.65%Yield on earning assets
0.97%Cost of funding earning assets
3.68%Net interest margin
0.54%Noninterest income to earning assets
3.26%Noninterest expense to earning assets
0.58%Net operating income to assets
0.58%Return on assets (ROA)
0.79%Pretax return on assets
5.19%Return on equity (ROE)
3.45%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
53.01%Credit loss provision to net charge-offs
4.54%Efficiency ratio
77,318Assets per employee
3.48%Cash dividends to net income (YTD only)
Condition Ratios (%)
33.56%Loss allowance to loans
0.69%Loss allowance to noncurrent loans
34.99%Noncurrent assets plus other real estate owned to assets
1.68%Noncurrent loans to loans
1.97%Net loans and leases to deposits
62.02%Net loans and leases to core deposits
64.16%Equity capital to assets
11.43%Core capital (leverage) ratio
11.87%Tier 1 risk-based capital ratio
19.53%Total risk-based capital ratio
Memoranda
$20Average assets
$126,343Average earning assets
$14,177Average equity
$117,979Average loans
List of branches
1 Louisiana Branch as of April 05, 2012
No
ID
Name
Address
Established
Service Type
Map
0
13594
Plaquemine Bank & Trust Company
805 Eden Street, Plaquemine, LA 70764
April 01, 1968
Full Service Brick and Mortar
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