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


American Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 17906
    Status: Active
    Federal Reserve ID: 83834
    Bank Holding Company (Regulatory Top Holder): American Bancorp, Inc. (RSSDID: 1085349, Location: Opelousas, LA)
    Date Established: September 22, 1958
    WWW: http://www.americanbankandtrust.net
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 11844
    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: Commercial Lending Specialization
    Date of Deposit Insurance: September 22, 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: 307 East Landry Street, Opelousas, LA 70570
    County: St. Landry
    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
    Metropolitan Statistical Area (MSA): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Opelousas-Eunice, LA (#36660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $156.8 mil
    Equity capital: $15.7 mil
    Deposits held in domestic offices: $138.1 mil
    Return on assets (ROA): 1.18% ($1.9 mil)
    Quarterly return on assets: 0.54% ($0.8 mil)
    Return on Equity (ROE): 11.54% ($1.8 mil)
    Quarterly return on equity: 5.06% ($0.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 1.18% ($1,850.6 mil)
    Quarterly Pretax return on assets: 0.54% ($846.9 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
  • 47Total employees (full-time equivalent)
  • $156,831Total assets
  • $25,668Cash and due from depository institutions
  • $17,729Interest-bearing balances
  • $45,831Securities
  • $225Federal funds sold & reverse repurchase agreements
  • $78,397Net loans & leases
  • $1,318Loan loss allowance
  • $0Trading account assets
  • $2,689Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $156,831Life insurance assets
  • $4,021All other assets
  • $141,116Total liabilities and capital
  • $138,126Total liabilities
  • $89,735Total deposits
  • $138,126Interest-bearing deposits
  • $76Deposits held in domestic offices
  • 264.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,619Trading liabilities
  • $0Other borrowed funds
  • $1,107Subordinated debt
  • $15,715All other liabilities
  • $15,715Total equity capital
  • $15,715Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $3,400Surplus
  • $11,715Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $797Income earned, not collected on loans
  • $0Earning assets
  • $706Long-term assets (5+ years)
  • $142,182Average Assets, year-to-date
  • $39,823Average Assets, quarterly
  • $144,646Volatile liabilities
  • $148,424Insider loans
  • $87,746FHLB advances
  • $141,659Loans and leases held for sale
  • $1,893Unused loan commitments
  • $1,893Tier 1 (core) risk-based capital
  • $14,226Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $20,130Restructured Loans and leases
  • $941Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,078Total interest income
  • $666Total interest expense
  • $5,412Net interest income
  • $170Provision for loan and lease losses
  • $1,064Total noninterest income
  • $0Fiduciary activities
  • $566Service charges on deposit accounts
  • $0Trading account gains & fees
  • $498Additional noninterest income
  • $4,630Total noninterest expense
  • $2,578Salaries and employee benefits
  • $632Premises and equipment expense
  • $1,420Additional noninterest expense
  • $1,676Pre-tax net operating income
  • $34Securities gains (losses)
  • $0Applicable income taxes
  • $1,710Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,710Net income attributable to bank
  • $0Net charge-offs
  • $1,710Cash dividends
  • $1Sale, conversion, retirement of capital stock, net
  • $965Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.59%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 4.08%Net interest margin
  • 0.80%Noninterest income to earning assets
  • 3.49%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.18%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 11.54%Return on equity (ROE)
  • 5.03%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 17000.00%Credit loss provision to net charge-offs
  • 1846.00%Efficiency ratio
  • 71,495Assets per employee
  • 3.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 56.43%Loss allowance to loans
  • 1.65%Loss allowance to noncurrent loans
  • 165.37%Noncurrent assets plus other real estate owned to assets
  • 0.51%Noncurrent loans to loans
  • 1.00%Net loans and leases to deposits
  • 56.76%Net loans and leases to core deposits
  • 57.72%Equity capital to assets
  • 10.02%Core capital (leverage) ratio
  • 10.04%Tier 1 risk-based capital ratio
  • 16.21%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $144,646Average earning assets
  • $14,819Average equity
  • $132,489Average loans

List of branches

  • 8 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011844American Bank & Trust Company307 East Landry Street, Opelousas, LA 70570September 22, 1958Full Service Brick and Mortar
    1243122Krotz Springs BranchEighth And Florida Streets, Krotz Springs, LA 70750August 10, 1964Full Service Brick and Mortar
    2243123Port Barre BranchSaizon Street, Port Barre, LA 70577August 14, 1961Full Service Brick and Mortar
    3243124Lawtell BranchHighway 190, Lawtell, LA 70550May 14, 1970Full Service Brick and Mortar
    4243125South Branch807 Creswell Lane, Opelousas, LA 70570January 31, 1973Full Service Brick and Mortar
    5243126Operations Center Branch321 East Landry Street, Opelousas, LA 70570September 14, 1981Limited Service Administrative
    7243128Moss Street Branch2931 Moss Street, Lafayette, LA 70501July 17, 1989Full Service Brick and Mortar
    8456614American Bank & Trust Company Lafaye1306 Camellia Boulevard, Lafayette, LA 70508November 20, 2006Full Service Brick and Mortar

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