Church Point Bank and Trust Company in Church Point, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Church Point Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 17340
    Status: Active
    Federal Reserve ID: 568238
    Bank Holding Company (Regulatory Top Holder): Cpb Bancshares, Inc. (RSSDID: 3477528, Location: Church Point, LA)
    Date Established: July 15, 1954
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 11350
    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: July 15, 1954
    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: 114 N Main St, Church Point, LA 70525
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $42.5 mil
    Equity capital: $4.8 mil
    Deposits held in domestic offices: $37.7 mil
    Return on assets (ROA): 0.44% ($0.2 mil)
    Quarterly return on assets: 0.31% ($0.1 mil)
    Return on Equity (ROE): 4.14% ($0.2 mil)
    Quarterly return on equity: 2.83% ($0.1 mil)
    Net income: $0.2 mil
    Quarterly Net income: $0.0 mil
    Pretax return on assets: 0.44% ($186.9 mil)
    Quarterly Pretax return on assets: 0.31% ($131.7 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
  • 18Total employees (full-time equivalent)
  • $42,488Total assets
  • $11,471Cash and due from depository institutions
  • $9,498Interest-bearing balances
  • $10,919Securities
  • $750Federal funds sold & reverse repurchase agreements
  • $17,758Net loans & leases
  • $256Loan loss allowance
  • $0Trading account assets
  • $818Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $42,488Life insurance assets
  • $772All other assets
  • $37,718Total liabilities and capital
  • $37,656Total liabilities
  • $27,237Total deposits
  • $37,656Interest-bearing deposits
  • $98Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $62Subordinated debt
  • $4,770All other liabilities
  • $4,770Total equity capital
  • $4,770Total bank equity capital
  • $0Perpetual preferred stock
  • $296Common stock
  • $1,050Surplus
  • $3,424Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $19Income earned, not collected on loans
  • $0Earning assets
  • $182Long-term assets (5+ years)
  • $38,925Average Assets, year-to-date
  • $6,319Average Assets, quarterly
  • $44,055Volatile liabilities
  • $43,735Insider loans
  • $20,891FHLB advances
  • $43,763Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $4,457Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,974Restructured Loans and leases
  • $104Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,601Total interest income
  • $148Total interest expense
  • $1,453Net interest income
  • $16Provision for loan and lease losses
  • $347Total noninterest income
  • $0Fiduciary activities
  • $299Service charges on deposit accounts
  • $0Trading account gains & fees
  • $48Additional noninterest income
  • $1,600Total noninterest expense
  • $881Salaries and employee benefits
  • $257Premises and equipment expense
  • $462Additional noninterest expense
  • $184Pre-tax net operating income
  • $9Securities gains (losses)
  • $0Applicable income taxes
  • $193Income before extraordinary items
  • $0Extraordinary gains - net
  • $193Net income attributable to bank
  • $0Net charge-offs
  • $193Cash dividends
  • $54Sale, conversion, retirement of capital stock, net
  • $77Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.03%Yield on earning assets
  • 0.37%Cost of funding earning assets
  • 3.66%Net interest margin
  • 0.87%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.42%Net operating income to assets
  • 0.44%Return on assets (ROA)
  • 0.44%Pretax return on assets
  • 4.14%Return on equity (ROE)
  • 2.49%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 29.63%Credit loss provision to net charge-offs
  • 3.70%Efficiency ratio
  • 88,889Assets per employee
  • 2.36%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 39.90%Loss allowance to loans
  • 1.42%Loss allowance to noncurrent loans
  • 1347.37%Noncurrent assets plus other real estate owned to assets
  • 0.04%Noncurrent loans to loans
  • 0.11%Net loans and leases to deposits
  • 47.16%Net loans and leases to core deposits
  • 48.16%Equity capital to assets
  • 11.23%Core capital (leverage) ratio
  • 10.18%Tier 1 risk-based capital ratio
  • 21.33%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $44,055Average earning assets
  • $4,666Average equity
  • $39,691Average loans

List of branches

  • 1 Louisiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    011350Church Point Bank And Trust Company114 N Main St, Church Point, LA 70525July 15, 1954Full Service Brick and Mortar

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