Citizens Bank & Trust Company of Vivian, Louisiana in Vivian, Louisiana (LA)



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Citizens Bank & Trust Company of Vivian, Louisiana routing number info

Table of contents:
Citizens Bank & Trust Company of Vivian, Louisiana
GeneralFDIC 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
WWW: http://www.cbtofvivian.com
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
LocationAddress: 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 ChangesParticipated in Reorganization
Financial SummaryTotal 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)
Total employees (full-time equivalent)63
Total assets$147,620
Cash and due from depository institutions$2,781
Interest-bearing balances$197
Securities$28,233
Federal funds sold & reverse repurchase agreements$2,075
Net loans & leases$105,680
Loan loss allowance $654
Trading account assets$0
Bank premises and fixed assets$3,294
Other real estate owned$885
Goodwill and other intangibles$784
All other assets$3,888
Life insurance assets$147,620
Total liabilities and capital$132,579
Total liabilities$123,348
Total deposits$93,158
Interest-bearing deposits$123,348
Deposits held in domestic offices$89
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$8,974
Other borrowed funds $0
Subordinated debt $257
All other liabilities $15,041
Total equity capital$15,041
Total bank equity capital$15,041
Perpetual preferred stock$0
Common stock$1,047
Surplus$2,420
Undivided profits $11,574
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $15,441
Income earned, not collected on loans $2,264
Earning assets $0
Long-term assets (5+ years) $695
Average Assets, year-to-date $136,185
Average Assets, quarterly $51,293
Volatile liabilities $141,759
Insider loans $143,771
FHLB advances $94,381
Loans and leases held for sale $141,922
Unused loan commitments $1,314
Tier 1 (core) risk-based capital $1,314
Tier 2 risk-based capital $12,434
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,974
Derivatives$527
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $7,752
Total interest expense $1,499
Net interest income $6,253
Provision for loan and lease losses $379
Total noninterest income $2,150
Fiduciary activities $0
Service charges on deposit accounts $696
Trading account gains & fees $0
Additional noninterest income $1,454
Total noninterest expense $6,265
Salaries and employee benefits $3,390
Premises and equipment expense $747
Additional noninterest expense $2,128
Pre-tax net operating income $1,759
Securities gains (losses) $132
Applicable income taxes $0
Income before extraordinary items $1,891
Extraordinary gains - net $0
Net income attributable to bank $1,891
Net charge-offs $0
Cash dividends $1,891
Sale, conversion, retirement of capital stock, net $296
Net operating income $361
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.92%
Cost of funding earning assets 1.15%
Net interest margin 4.78%
Noninterest income to earning assets 1.64%
Noninterest expense to earning assets 4.79%
Net operating income to assets 1.24%
Return on assets (ROA) 1.33%
Pretax return on assets 1.33%
Return on equity (ROE) 13.71%
Retained earnings to average equity (YTD only) 11.09%
Net charge-offs to loans 0.31%
Credit loss provision to net charge-offs 128.04%
Efficiency ratio7.22%
Assets per employee$74,485
Cash dividends to net income (YTD only)2.34%
Condition Ratios (%)
Loss allowance to loans 19.09%
Loss allowance to noncurrent loans 0.62%
Noncurrent assets plus other real estate owned to assets 28.89%
Noncurrent loans to loans 2.13%
Net loans and leases to deposits2.13%
Net loans and leases to core deposits 85.68%
Equity capital to assets 89.87%
Core capital (leverage) ratio 10.19%
Tier 1 risk-based capital ratio 8.76%
Total risk-based capital ratio 13.17%
Memoranda
Average assets$14
Average earning assets$141,759
Average equity $13,791
Average loans $130,879
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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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