Caldwell Bank & Trust Company in Columbia, Louisiana (LA)



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Caldwell Bank & Trust Company routing number info

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Caldwell Bank & Trust Company
GeneralFDIC Certificate #: 11785
Status: Active
Federal Reserve ID: 925354
Bank Holding Company (Regulatory Top Holder): Caldwell Holding Company (RSSDID: 1108985, Location: Columbia, LA)
Date Established: January 01, 1902
WWW: http://www.caldwellbankandtrust.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)
OTS Docket #: 9983
FDIC's unique #: 7538
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: 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: 202 Main Street, Columbia, LA 71418
County: Caldwell
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 ChangesChange in Location
Merge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $97.5 mil
Equity capital: $9.1 mil
Deposits held in domestic offices: $85.2 mil
Return on assets (ROA): 1.93% ($1.9 mil)
Quarterly return on assets: 1.59% ($1.6 mil)
Return on Equity (ROE): 19.87% ($1.8 mil)
Quarterly return on equity: 15.67% ($1.4 mil)
Net income: $1.9 mil
Quarterly Net income: $0.4 mil
Pretax return on assets: 1.93% ($1,882.2 mil)
Quarterly Pretax return on assets: 1.59% ($1,550.6 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)31
Total assets$97,524
Cash and due from depository institutions$6,924
Interest-bearing balances$1,051
Securities$13,204
Federal funds sold & reverse repurchase agreements$4,950
Net loans & leases$64,131
Loan loss allowance $666
Trading account assets$0
Bank premises and fixed assets$3,202
Other real estate owned$118
Goodwill and other intangibles$0
All other assets$4,995
Life insurance assets$97,524
Total liabilities and capital$88,454
Total liabilities$85,205
Total deposits$70,762
Interest-bearing deposits$85,205
Deposits held in domestic offices$82
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,000
Other borrowed funds $0
Subordinated debt $1,249
All other liabilities $9,070
Total equity capital$9,070
Total bank equity capital$9,070
Perpetual preferred stock$0
Common stock$400
Surplus$4,000
Undivided profits $4,670
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 $1,589
Earning assets $0
Long-term assets (5+ years) $785
Average Assets, year-to-date $83,336
Average Assets, quarterly $27,744
Volatile liabilities $95,989
Insider loans $96,156
FHLB advances $71,798
Loans and leases held for sale $94,602
Unused loan commitments $2,874
Tier 1 (core) risk-based capital $2,503
Tier 2 risk-based capital $8,592
Total risk weighted assets $371
Total unused commitments $0
Restructured Loans and leases $1,684
Derivatives$1,699
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,630
Total interest expense $954
Net interest income $4,676
Provision for loan and lease losses $165
Total noninterest income $844
Fiduciary activities $1
Service charges on deposit accounts $568
Trading account gains & fees $0
Additional noninterest income $275
Total noninterest expense $3,661
Salaries and employee benefits $1,818
Premises and equipment expense $355
Additional noninterest expense $1,488
Pre-tax net operating income $1,694
Securities gains (losses) $158
Applicable income taxes $0
Income before extraordinary items $1,852
Extraordinary gains - net $0
Net income attributable to bank $1,852
Net charge-offs $0
Cash dividends $1,852
Sale, conversion, retirement of capital stock, net $238
Net operating income $1,834
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.64%
Cost of funding earning assets 1.12%
Net interest margin 5.51%
Noninterest income to earning assets 0.99%
Noninterest expense to earning assets 4.32%
Net operating income to assets 1.76%
Return on assets (ROA) 1.93%
Pretax return on assets 1.93%
Return on equity (ROE) 19.87%
Retained earnings to average equity (YTD only) 0.19%
Net charge-offs to loans 0.36%
Credit loss provision to net charge-offs 69.33%
Efficiency ratio7.81%
Assets per employee$66,322
Cash dividends to net income (YTD only)3.15%
Condition Ratios (%)
Loss allowance to loans 99.03%
Loss allowance to noncurrent loans 1.03%
Noncurrent assets plus other real estate owned to assets 41.91%
Noncurrent loans to loans 1.75%
Net loans and leases to deposits2.45%
Net loans and leases to core deposits 75.27%
Equity capital to assets 90.32%
Core capital (leverage) ratio 9.30%
Tier 1 risk-based capital ratio 9.08%
Total risk-based capital ratio 11.97%
Memoranda
Average assets$13
Average earning assets$95,989
Average equity $9,322
Average loans $84,836
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$6
Number of Accounts1
Personal trust and agency accounts$6
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$6
Non-managed Assets$0
Number of Accounts1
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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2 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
07538Caldwell Bank & Trust Company202 Main Street, Columbia, LA 71418January 01, 1902Full Service Brick and Mortar
1454252Columbia Heights Branch8157 Highway 165, Columbia, LA 71418August 01, 2006Full Service Brick and Mortar
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