Bank of Winnfield & Trust Company in Winnfield, Louisiana (LA)



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Bank of Winnfield & Trust Company routing number info

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Bank of Winnfield & Trust Company
GeneralFDIC Certificate #: 9323
Status: Active
Federal Reserve ID: 625953
Bank Holding Company (Regulatory Top Holder): Black Cat Financial Corp (RSSDID: 3723953, Location: Winnfield, LA)
Date Established: January 01, 1901
WWW: http://www.bankofwinnfield.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
FDIC's unique #: 5977
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: 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
LocationAddress: Jones And Main Streets, Winnfield, LA 71483
County: Winn
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $131.9 mil
Equity capital: $15.3 mil
Deposits held in domestic offices: $113.7 mil
Return on assets (ROA): 1.43% ($1.9 mil)
Quarterly return on assets: 1.59% ($2.1 mil)
Return on Equity (ROE): 12.76% ($1.9 mil)
Quarterly return on equity: 13.80% ($2.1 mil)
Net income: $1.9 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 1.43% ($1,885.9 mil)
Quarterly Pretax return on assets: 1.59% ($2,096.9 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)
Total employees (full-time equivalent)34
Total assets$131,882
Cash and due from depository institutions$30,682
Interest-bearing balances$25,715
Securities$29,315
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$62,217
Loan loss allowance $823
Trading account assets$0
Bank premises and fixed assets$1,111
Other real estate owned$200
Goodwill and other intangibles$0
All other assets$8,357
Life insurance assets$131,882
Total liabilities and capital$116,559
Total liabilities$113,694
Total deposits$83,399
Interest-bearing deposits$113,694
Deposits held in domestic offices$91
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13
Other borrowed funds $0
Subordinated debt $2,852
All other liabilities $15,323
Total equity capital$15,323
Total bank equity capital$15,323
Perpetual preferred stock$0
Common stock$197
Surplus$8,313
Undivided profits $6,813
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $2,705
Earning assets $0
Long-term assets (5+ years) $574
Average Assets, year-to-date $117,247
Average Assets, quarterly $23,899
Volatile liabilities $131,484
Insider loans $132,890
FHLB advances $72,017
Loans and leases held for sale $133,011
Unused loan commitments $4,587
Tier 1 (core) risk-based capital $4,587
Tier 2 risk-based capital $15,478
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,798
Derivatives$358
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,286
Total interest expense $663
Net interest income $4,623
Provision for loan and lease losses $155
Total noninterest income $1,254
Fiduciary activities $0
Service charges on deposit accounts $518
Trading account gains & fees $0
Additional noninterest income $736
Total noninterest expense $3,842
Salaries and employee benefits $2,138
Premises and equipment expense $338
Additional noninterest expense $1,366
Pre-tax net operating income $1,880
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,880
Extraordinary gains - net $0
Net income attributable to bank $1,880
Net charge-offs $0
Cash dividends $1,880
Sale, conversion, retirement of capital stock, net $140
Net operating income $1,050
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.50%
Cost of funding earning assets 0.56%
Net interest margin 3.93%
Noninterest income to earning assets 1.07%
Noninterest expense to earning assets 3.27%
Net operating income to assets 1.43%
Return on assets (ROA) 1.43%
Pretax return on assets 1.43%
Return on equity (ROE) 12.76%
Retained earnings to average equity (YTD only) 5.63%
Net charge-offs to loans 0.21%
Credit loss provision to net charge-offs 110.71%
Efficiency ratio14.54%
Assets per employee$65,373
Cash dividends to net income (YTD only)3.88%
Condition Ratios (%)
Loss allowance to loans 55.85%
Loss allowance to noncurrent loans 1.31%
Noncurrent assets plus other real estate owned to assets 30.43%
Noncurrent loans to loans 2.20%
Net loans and leases to deposits4.29%
Net loans and leases to core deposits 54.72%
Equity capital to assets 60.04%
Core capital (leverage) ratio 11.62%
Tier 1 risk-based capital ratio 11.64%
Total risk-based capital ratio 21.49%
Memoranda
Average assets$23
Average earning assets$131,484
Average equity $14,735
Average loans $117,533
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2 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05977Bank Of Winnfield & Trust CompanyJones And Main Streets, Winnfield, LA 71483January 01, 1901Full Service Brick and Mortar
1419569Northside Branch5932 Highway 167 N, Winnfield, LA 71483March 31, 2003Full Service Brick and Mortar
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