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


Bank of Winnfield & Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 34Total employees (full-time equivalent)
  • $131,882Total assets
  • $30,682Cash and due from depository institutions
  • $25,715Interest-bearing balances
  • $29,315Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $62,217Net loans & leases
  • $823Loan loss allowance
  • $0Trading account assets
  • $1,111Bank premises and fixed assets
  • $200Other real estate owned
  • $0Goodwill and other intangibles
  • $131,882Life insurance assets
  • $8,357All other assets
  • $116,559Total liabilities and capital
  • $113,694Total liabilities
  • $83,399Total deposits
  • $113,694Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13Trading liabilities
  • $0Other borrowed funds
  • $2,852Subordinated debt
  • $15,323All other liabilities
  • $15,323Total equity capital
  • $15,323Total bank equity capital
  • $0Perpetual preferred stock
  • $197Common stock
  • $8,313Surplus
  • $6,813Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,705Income earned, not collected on loans
  • $0Earning assets
  • $574Long-term assets (5+ years)
  • $117,247Average Assets, year-to-date
  • $23,899Average Assets, quarterly
  • $131,484Volatile liabilities
  • $132,890Insider loans
  • $72,017FHLB advances
  • $133,011Loans and leases held for sale
  • $4,587Unused loan commitments
  • $4,587Tier 1 (core) risk-based capital
  • $15,478Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,798Restructured Loans and leases
  • $358Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,286Total interest income
  • $663Total interest expense
  • $4,623Net interest income
  • $155Provision for loan and lease losses
  • $1,254Total noninterest income
  • $0Fiduciary activities
  • $518Service charges on deposit accounts
  • $0Trading account gains & fees
  • $736Additional noninterest income
  • $3,842Total noninterest expense
  • $2,138Salaries and employee benefits
  • $338Premises and equipment expense
  • $1,366Additional noninterest expense
  • $1,880Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,880Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,880Net income attributable to bank
  • $0Net charge-offs
  • $1,880Cash dividends
  • $140Sale, conversion, retirement of capital stock, net
  • $1,050Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.56%Cost of funding earning assets
  • 3.93%Net interest margin
  • 1.07%Noninterest income to earning assets
  • 3.27%Noninterest expense to earning assets
  • 1.43%Net operating income to assets
  • 1.43%Return on assets (ROA)
  • 1.43%Pretax return on assets
  • 12.76%Return on equity (ROE)
  • 5.63%Retained earnings to average equity (YTD only)
  • 0.21%Net charge-offs to loans
  • 110.71%Credit loss provision to net charge-offs
  • 14.54%Efficiency ratio
  • 65,373Assets per employee
  • 3.88%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.85%Loss allowance to loans
  • 1.31%Loss allowance to noncurrent loans
  • 30.43%Noncurrent assets plus other real estate owned to assets
  • 2.20%Noncurrent loans to loans
  • 4.29%Net loans and leases to deposits
  • 54.72%Net loans and leases to core deposits
  • 60.04%Equity capital to assets
  • 11.62%Core capital (leverage) ratio
  • 11.64%Tier 1 risk-based capital ratio
  • 21.49%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $131,484Average earning assets
  • $14,735Average equity
  • $117,533Average loans

List of branches

  • 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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