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

  • Citizens Bank & Trust Company in Plaquemine, Louisiana (LA)
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Citizens Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1376
    Status: Active
    Federal Reserve ID: 357937
    Bank Holding Company (Regulatory Top Holder): Citizens Bancorporation, Inc. (RSSDID: 1084472, Location: Plaquemine, LA)
    Date Established: July 05, 1916
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 901
    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: No
    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: 57910 Main Street, Plaquemine, LA 70764
    County: Iberville
    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
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $221.6 mil
    Equity capital: $23.8 mil
    Deposits held in domestic offices: $192.8 mil
    Return on assets (ROA): 0.71% ($1.6 mil)
    Quarterly return on assets: 1.02% ($2.3 mil)
    Return on Equity (ROE): 6.70% ($1.6 mil)
    Quarterly return on equity: 9.40% ($2.3 mil)
    Net income: $1.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.01% ($2,238.6 mil)
    Quarterly Pretax return on assets: 1.11% ($2,460.2 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
  • 64Total employees (full-time equivalent)
  • $221,641Total assets
  • $28,074Cash and due from depository institutions
  • $22,720Interest-bearing balances
  • $23,921Securities
  • $4,400Federal funds sold & reverse repurchase agreements
  • $146,401Net loans & leases
  • $2,685Loan loss allowance
  • $0Trading account assets
  • $6,641Bank premises and fixed assets
  • $1,223Other real estate owned
  • $0Goodwill and other intangibles
  • $221,641Life insurance assets
  • $10,981All other assets
  • $197,803Total liabilities and capital
  • $192,756Total liabilities
  • $141,595Total deposits
  • $192,756Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,047Subordinated debt
  • $23,838All other liabilities
  • $23,838Total equity capital
  • $23,838Total bank equity capital
  • $0Perpetual preferred stock
  • $200Common stock
  • $5,800Surplus
  • $17,838Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,976Income earned, not collected on loans
  • $0Earning assets
  • $655Long-term assets (5+ years)
  • $197,442Average Assets, year-to-date
  • $27,489Average Assets, quarterly
  • $219,346Volatile liabilities
  • $218,112Insider loans
  • $161,263FHLB advances
  • $217,595Loans and leases held for sale
  • $5,516Unused loan commitments
  • $4,343Tier 1 (core) risk-based capital
  • $23,850Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,173Total unused commitments
  • $18,413Restructured Loans and leases
  • $2,943Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,753Total interest income
  • $1,204Total interest expense
  • $8,549Net interest income
  • $660Provision for loan and lease losses
  • $1,498Total noninterest income
  • $0Fiduciary activities
  • $925Service charges on deposit accounts
  • $0Trading account gains & fees
  • $573Additional noninterest income
  • $7,164Total noninterest expense
  • $3,789Salaries and employee benefits
  • $1,205Premises and equipment expense
  • $2,170Additional noninterest expense
  • $2,223Pre-tax net operating income
  • $0Securities gains (losses)
  • $670Applicable income taxes
  • $1,553Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,553Net income attributable to bank
  • $0Net charge-offs
  • $1,553Cash dividends
  • $826Sale, conversion, retirement of capital stock, net
  • $411Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.08%Yield on earning assets
  • 0.63%Cost of funding earning assets
  • 4.45%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 3.73%Noninterest expense to earning assets
  • 0.71%Net operating income to assets
  • 0.71%Return on assets (ROA)
  • 1.01%Pretax return on assets
  • 6.70%Return on equity (ROE)
  • 4.93%Retained earnings to average equity (YTD only)
  • 0.57%Net charge-offs to loans
  • 79.90%Credit loss provision to net charge-offs
  • 3.49%Efficiency ratio
  • 71,305Assets per employee
  • 3.46%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 26.46%Loss allowance to loans
  • 1.80%Loss allowance to noncurrent loans
  • 135.88%Noncurrent assets plus other real estate owned to assets
  • 1.44%Noncurrent loans to loans
  • 1.33%Net loans and leases to deposits
  • 75.95%Net loans and leases to core deposits
  • 76.75%Equity capital to assets
  • 10.76%Core capital (leverage) ratio
  • 10.96%Tier 1 risk-based capital ratio
  • 14.79%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $219,346Average earning assets
  • $23,173Average equity
  • $191,955Average loans

List of branches

  • 7 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    0901Citizens Bank & Trust Company57910 Main Street, Plaquemine, LA 70764July 05, 1916Full Service Brick and Mortar
    1189434Belleview Branch58240 Belleview Road, Plaquemine, LA 70764September 02, 1969Full Service Brick and Mortar
    2189435Operations Center Branch57915-57925 Main Street, Plaquemine, LA 70764November 18, 1985Limited Service Facility
    4275023Bocage Branch7646 Jefferson Highway, Baton Rouge, LA 70815June 30, 1985Full Service Brick and Mortar
    5286785Sherwood Forest Branch2925 Sherwood Forest Boulevard, Baton Rouge, LA 70816June 30, 1988Full Service Brick and Mortar
    6189436O'neal Lane Branch4810 O'neal Lane, Baton Rouge, LA 70817July 19, 1999Full Service Brick and Mortar
    7519369Perkins Rowe Branch10601 Perkins Road, Baton Rouge, LA 70810April 18, 2011Full Service Brick and Mortar

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