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


  • Vermilion Bank & Trust Company in Kaplan, Louisiana (LA)
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Vermilion Bank & Trust Company routing number info

Vermilion Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 17841
    Status: Active
    Federal Reserve ID: 754536
    Bank Holding Company (Regulatory Top Holder): Vermilion Bancshares Corporation (RSSDID: 1141898, Location: Kaplan, LA)
    Date Established: March 08, 1958
    WWW: http://www.vermilionbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11572
    FDIC's unique #: 11783
    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: All Other Specialization < 1 Billion
    Date of Deposit Insurance: March 08, 1958
    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: 420 N Cushing Ave, Kaplan, LA 70548
    County: Vermilion
    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): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Abbeville, LA (#10020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $121.3 mil
    Equity capital: $9.3 mil
    Deposits held in domestic offices: $110.4 mil
    Return on assets (ROA): 1.50% ($1.8 mil)
    Quarterly return on assets: 1.44% ($1.7 mil)
    Return on Equity (ROE): 17.62% ($1.6 mil)
    Quarterly return on equity: 17.09% ($1.5 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.50% ($1,820.0 mil)
    Quarterly Pretax return on assets: 1.44% ($1,747.2 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
  • 31Total employees (full-time equivalent)
  • $121,336Total assets
  • $20,284Cash and due from depository institutions
  • $13,180Interest-bearing balances
  • $41,965Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $56,683Net loans & leases
  • $710Loan loss allowance
  • $0Trading account assets
  • $418Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $121,336Life insurance assets
  • $1,986All other assets
  • $112,061Total liabilities and capital
  • $110,438Total liabilities
  • $91,129Total deposits
  • $110,438Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $537Trading liabilities
  • $0Other borrowed funds
  • $1,086Subordinated debt
  • $9,275All other liabilities
  • $9,275Total equity capital
  • $9,275Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $3,900Surplus
  • $5,175Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $680Income earned, not collected on loans
  • $0Earning assets
  • $429Long-term assets (5+ years)
  • $111,828Average Assets, year-to-date
  • $10,958Average Assets, quarterly
  • $105,659Volatile liabilities
  • $110,509Insider loans
  • $62,975FHLB advances
  • $103,975Loans and leases held for sale
  • $792Unused loan commitments
  • $792Tier 1 (core) risk-based capital
  • $8,946Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,995Restructured Loans and leases
  • $94Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,377Total interest income
  • $478Total interest expense
  • $3,899Net interest income
  • $2Provision for loan and lease losses
  • $873Total noninterest income
  • $0Fiduciary activities
  • $577Service charges on deposit accounts
  • $0Trading account gains & fees
  • $296Additional noninterest income
  • $3,181Total noninterest expense
  • $1,708Salaries and employee benefits
  • $266Premises and equipment expense
  • $1,207Additional noninterest expense
  • $1,589Pre-tax net operating income
  • -$1Securities gains (losses)
  • $0Applicable income taxes
  • $1,588Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,588Net income attributable to bank
  • $0Net charge-offs
  • $1,588Cash dividends
  • $78Sale, conversion, retirement of capital stock, net
  • $1,240Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.36%Yield on earning assets
  • 0.48%Cost of funding earning assets
  • 3.88%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.50%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.50%Pretax return on assets
  • 17.62%Return on equity (ROE)
  • 3.86%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 2.56%Credit loss provision to net charge-offs
  • 20.40%Efficiency ratio
  • 66,660Assets per employee
  • 3.91%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.09%Loss allowance to loans
  • 1.24%Loss allowance to noncurrent loans
  • 104.41%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 1.18%Net loans and leases to deposits
  • 51.33%Net loans and leases to core deposits
  • 56.07%Equity capital to assets
  • 7.64%Core capital (leverage) ratio
  • 8.60%Tier 1 risk-based capital ratio
  • 14.21%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $105,659Average earning assets
  • $9,015Average equity
  • $100,415Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    011783Vermilion Bank & Trust Company420 N Cushing Ave, Kaplan, LA 70548March 08, 1958Full Service Brick and Mortar
    1242939Gueydan Branch211 Main Street, Gueydan, LA 70542September 15, 1980Full Service Brick and Mortar
    2242940West-End BranchWest Highway 14 And Trahan Avenue, Kaplan, LA 70548Febuary 10, 1986Full Service Brick and Mortar

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