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


Caldwell Bank & Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 31Total employees (full-time equivalent)
  • $97,524Total assets
  • $6,924Cash and due from depository institutions
  • $1,051Interest-bearing balances
  • $13,204Securities
  • $4,950Federal funds sold & reverse repurchase agreements
  • $64,131Net loans & leases
  • $666Loan loss allowance
  • $0Trading account assets
  • $3,202Bank premises and fixed assets
  • $118Other real estate owned
  • $0Goodwill and other intangibles
  • $97,524Life insurance assets
  • $4,995All other assets
  • $88,454Total liabilities and capital
  • $85,205Total liabilities
  • $70,762Total deposits
  • $85,205Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $1,249Subordinated debt
  • $9,070All other liabilities
  • $9,070Total equity capital
  • $9,070Total bank equity capital
  • $0Perpetual preferred stock
  • $400Common stock
  • $4,000Surplus
  • $4,670Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,589Income earned, not collected on loans
  • $0Earning assets
  • $785Long-term assets (5+ years)
  • $83,336Average Assets, year-to-date
  • $27,744Average Assets, quarterly
  • $95,989Volatile liabilities
  • $96,156Insider loans
  • $71,798FHLB advances
  • $94,602Loans and leases held for sale
  • $2,874Unused loan commitments
  • $2,503Tier 1 (core) risk-based capital
  • $8,592Tier 2 risk-based capital
  • $371Total risk weighted assets
  • $0Total unused commitments
  • $1,684Restructured Loans and leases
  • $1,699Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,630Total interest income
  • $954Total interest expense
  • $4,676Net interest income
  • $165Provision for loan and lease losses
  • $844Total noninterest income
  • $1Fiduciary activities
  • $568Service charges on deposit accounts
  • $0Trading account gains & fees
  • $275Additional noninterest income
  • $3,661Total noninterest expense
  • $1,818Salaries and employee benefits
  • $355Premises and equipment expense
  • $1,488Additional noninterest expense
  • $1,694Pre-tax net operating income
  • $158Securities gains (losses)
  • $0Applicable income taxes
  • $1,852Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,852Net income attributable to bank
  • $0Net charge-offs
  • $1,852Cash dividends
  • $238Sale, conversion, retirement of capital stock, net
  • $1,834Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.64%Yield on earning assets
  • 1.12%Cost of funding earning assets
  • 5.51%Net interest margin
  • 0.99%Noninterest income to earning assets
  • 4.32%Noninterest expense to earning assets
  • 1.76%Net operating income to assets
  • 1.93%Return on assets (ROA)
  • 1.93%Pretax return on assets
  • 19.87%Return on equity (ROE)
  • 0.19%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 69.33%Credit loss provision to net charge-offs
  • 7.81%Efficiency ratio
  • 66,322Assets per employee
  • 3.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 99.03%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 41.91%Noncurrent assets plus other real estate owned to assets
  • 1.75%Noncurrent loans to loans
  • 2.45%Net loans and leases to deposits
  • 75.27%Net loans and leases to core deposits
  • 90.32%Equity capital to assets
  • 9.30%Core capital (leverage) ratio
  • 9.08%Tier 1 risk-based capital ratio
  • 11.97%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $95,989Average earning assets
  • $9,322Average equity
  • $84,836Average 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
  • $6Managed Assets
  • 1Number of Accounts
  • $6Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $6Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number 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

  • 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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