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

Citizens Bank & Trust Company of Vivian, Louisiana - Overview

  • General
  • FDIC Certificate #: 19744
    Status: Active
    Federal Reserve ID: 767554
    Bank Holding Company (Regulatory Top Holder): C B & T Bancshares, Inc. (RSSDID: 3010288, Location: Vivian, LA)
    Date Established: September 14, 1967
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 10821
    FDIC's unique #: 13540
    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: September 14, 1967
    Last Structure Change Effective Date: October 01, 2010
    Last Structure Change Process Date: December 13, 2010
    Last Data Update: December 13, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: West Arkansas & South Spruce Streets, Vivian, LA 71082
    County: Caddo
    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
    Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
    Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
    Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
    CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
  • History of Changes
  • Participated in Reorganization
  • Financial Summary
  • Total assets: $147.6 mil
    Equity capital: $15.0 mil
    Deposits held in domestic offices: $123.3 mil
    Return on assets (ROA): 1.33% ($2.0 mil)
    Quarterly return on assets: 1.74% ($2.6 mil)
    Return on Equity (ROE): 13.71% ($2.1 mil)
    Quarterly return on equity: 16.98% ($2.5 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.33% ($1,963.3 mil)
    Quarterly Pretax return on assets: 1.74% ($2,568.6 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
  • 63Total employees (full-time equivalent)
  • $147,620Total assets
  • $2,781Cash and due from depository institutions
  • $197Interest-bearing balances
  • $28,233Securities
  • $2,075Federal funds sold & reverse repurchase agreements
  • $105,680Net loans & leases
  • $654Loan loss allowance
  • $0Trading account assets
  • $3,294Bank premises and fixed assets
  • $885Other real estate owned
  • $784Goodwill and other intangibles
  • $147,620Life insurance assets
  • $3,888All other assets
  • $132,579Total liabilities and capital
  • $123,348Total liabilities
  • $93,158Total deposits
  • $123,348Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $8,974Trading liabilities
  • $0Other borrowed funds
  • $257Subordinated debt
  • $15,041All other liabilities
  • $15,041Total equity capital
  • $15,041Total bank equity capital
  • $0Perpetual preferred stock
  • $1,047Common stock
  • $2,420Surplus
  • $11,574Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $15,441Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,264Income earned, not collected on loans
  • $0Earning assets
  • $695Long-term assets (5+ years)
  • $136,185Average Assets, year-to-date
  • $51,293Average Assets, quarterly
  • $141,759Volatile liabilities
  • $143,771Insider loans
  • $94,381FHLB advances
  • $141,922Loans and leases held for sale
  • $1,314Unused loan commitments
  • $1,314Tier 1 (core) risk-based capital
  • $12,434Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,974Restructured Loans and leases
  • $527Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,752Total interest income
  • $1,499Total interest expense
  • $6,253Net interest income
  • $379Provision for loan and lease losses
  • $2,150Total noninterest income
  • $0Fiduciary activities
  • $696Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,454Additional noninterest income
  • $6,265Total noninterest expense
  • $3,390Salaries and employee benefits
  • $747Premises and equipment expense
  • $2,128Additional noninterest expense
  • $1,759Pre-tax net operating income
  • $132Securities gains (losses)
  • $0Applicable income taxes
  • $1,891Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,891Net income attributable to bank
  • $0Net charge-offs
  • $1,891Cash dividends
  • $296Sale, conversion, retirement of capital stock, net
  • $361Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.92%Yield on earning assets
  • 1.15%Cost of funding earning assets
  • 4.78%Net interest margin
  • 1.64%Noninterest income to earning assets
  • 4.79%Noninterest expense to earning assets
  • 1.24%Net operating income to assets
  • 1.33%Return on assets (ROA)
  • 1.33%Pretax return on assets
  • 13.71%Return on equity (ROE)
  • 11.09%Retained earnings to average equity (YTD only)
  • 0.31%Net charge-offs to loans
  • 128.04%Credit loss provision to net charge-offs
  • 7.22%Efficiency ratio
  • 74,485Assets per employee
  • 2.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 19.09%Loss allowance to loans
  • 0.62%Loss allowance to noncurrent loans
  • 28.89%Noncurrent assets plus other real estate owned to assets
  • 2.13%Noncurrent loans to loans
  • 2.13%Net loans and leases to deposits
  • 85.68%Net loans and leases to core deposits
  • 89.87%Equity capital to assets
  • 10.19%Core capital (leverage) ratio
  • 8.76%Tier 1 risk-based capital ratio
  • 13.17%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $141,759Average earning assets
  • $13,791Average equity
  • $130,879Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013540Citizens Bank & Trust Company Of Vivian, LouisianaWest Arkansas & South Spruce Streets, Vivian, LA 71082September 14, 1967Full Service Brick and Mortar
    4418675Shreveport Branch6330 Youree Drive, Shreveport, LA 71105January 03, 2003Full Service Brick and Mortar
    5478962Northwood Branch5755 North Market, Shreveport, LA 71107October 15, 2007Full Service Brick and Mortar
    6508307Oil City Branch110 Highway One North, Oil City, LA 71061April 26, 2010Full Service Brick and Mortar
    7512574Bossier Loan Production Office1628 Benton Road, Bossier City, LA 71111September 15, 2010Limited Service Loan Production

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