Bank of Commerce & Trust Co. in Crowley, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Commerce & Trust Co. - Overview

  • General
  • FDIC Certificate #: 10523
    Status: Active
    Federal Reserve ID: 476539
    Date Established: January 01, 1926
    WWW: http://www.bankofcommerceandtrust.com
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 6738
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    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: 326 North Avenue G, Crowley, LA 70526
    County: Acadia
    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): Crowley, LA (#18940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $335.6 mil
    Equity capital: $36.4 mil
    Deposits held in domestic offices: $284.0 mil
    Return on assets (ROA): 0.77% ($2.6 mil)
    Quarterly return on assets: 0.61% ($2.0 mil)
    Return on Equity (ROE): 7.01% ($2.5 mil)
    Quarterly return on equity: 5.38% ($1.9 mil)
    Net income: $2.5 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.08% ($3,624.4 mil)
    Quarterly Pretax return on assets: 0.86% ($2,886.1 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, 2011)

  • Dollar figures in thousands
  • 80Total employees (full-time equivalent)
  • $335,588Total assets
  • $12,927Cash and due from depository institutions
  • $5,743Interest-bearing balances
  • $224,446Securities
  • $1,000Federal funds sold & reverse repurchase agreements
  • $89,617Net loans & leases
  • $459Loan loss allowance
  • $0Trading account assets
  • $3,348Bank premises and fixed assets
  • $41Other real estate owned
  • $0Goodwill and other intangibles
  • $335,588Life insurance assets
  • $4,209All other assets
  • $299,214Total liabilities and capital
  • $284,048Total liabilities
  • $217,012Total deposits
  • $284,048Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 9470.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,696Subordinated debt
  • $36,374All other liabilities
  • $36,374Total equity capital
  • $36,374Total bank equity capital
  • $0Perpetual preferred stock
  • $525Common stock
  • $7,475Surplus
  • $28,374Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,041Income earned, not collected on loans
  • $0Earning assets
  • $1,618Long-term assets (5+ years)
  • $320,806Average Assets, year-to-date
  • $159,610Average Assets, quarterly
  • $318,984Volatile liabilities
  • $328,212Insider loans
  • $131,529FHLB advances
  • $330,053Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $36,388Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $24,050Restructured Loans and leases
  • $1,150Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,655Total interest income
  • $2,091Total interest expense
  • $8,564Net interest income
  • $300Provision for loan and lease losses
  • $1,295Total noninterest income
  • $3Fiduciary activities
  • $599Service charges on deposit accounts
  • $0Trading account gains & fees
  • $693Additional noninterest income
  • $6,127Total noninterest expense
  • $4,103Salaries and employee benefits
  • $494Premises and equipment expense
  • $1,530Additional noninterest expense
  • $3,432Pre-tax net operating income
  • $0Securities gains (losses)
  • $977Applicable income taxes
  • $2,455Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,455Net income attributable to bank
  • $0Net charge-offs
  • $2,455Cash dividends
  • $355Sale, conversion, retirement of capital stock, net
  • $1,575Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.50%Yield on earning assets
  • 0.69%Cost of funding earning assets
  • 2.82%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 2.01%Noninterest expense to earning assets
  • 0.77%Net operating income to assets
  • 0.77%Return on assets (ROA)
  • 1.08%Pretax return on assets
  • 7.01%Return on equity (ROE)
  • 2.51%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 84.51%Credit loss provision to net charge-offs
  • 10.51%Efficiency ratio
  • 62,146Assets per employee
  • 4.19%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.15%Loss allowance to loans
  • 0.51%Loss allowance to noncurrent loans
  • 44.09%Noncurrent assets plus other real estate owned to assets
  • 0.32%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 31.55%Net loans and leases to core deposits
  • 35.77%Equity capital to assets
  • 10.84%Core capital (leverage) ratio
  • 11.02%Tier 1 risk-based capital ratio
  • 27.67%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $318,984Average earning assets
  • $35,042Average equity
  • $304,185Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $2,742Managed Assets
  • 1Number of Accounts
  • $2,742Personal trust and agency accounts
  • $562Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $2,180Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06738Bank Of Commerce & Trust Co.326 North Avenue G, Crowley, LA 70526January 01, 1926Full Service Brick and Mortar
    1222529Iota Branch207 Duson Avenue, Iota, LA 70543September 24, 1926Full Service Brick and Mortar
    2222530Rayne Branch300 N. Adams Avenue, Rayne, LA 70578July 01, 1936Full Service Brick and Mortar
    3222531Northpark Branch1415 North Parkerson Avenue, Crowley, LA 70526June 03, 1974Full Service Brick and Mortar
    4222532Mermentau Branch107 7th Street, Mermentau, LA 70556January 02, 1980Full Service Brick and Mortar

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