Plaquemine Bank & Trust Company in Plaquemine, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Plaquemine Bank & Trust Company in Plaquemine, Louisiana (LA)
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Plaquemine Bank & Trust Company - Overview

  • General
  • 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
  • NoIDNameAddressEstablishedService TypeMap
    013594Plaquemine Bank & Trust Company805 Eden Street, Plaquemine, LA 70764April 01, 1968Full Service Brick and Mortar

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