City Bank & Trust Co. in Natchitoches, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

City Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 12608
    Status: Active
    Federal Reserve ID: 841753
    Bank Holding Company (Regulatory Top Holder): City Bancshares, Inc. (RSSDID: 2625283, Location: Natchitoches, LA)
    Date Established: January 01, 1933
    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 #: 11822
    FDIC's unique #: 8005
    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: Other Specialized Lending < 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: Second And St. Denis Streets, Natchitoches, LA 71457
    County: Natchitoches
    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
    Core Based Statistical Area (CBSA): Natchitoches, LA (#35060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Corrections
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $247.5 mil
    Equity capital: $23.1 mil
    Deposits held in domestic offices: $221.8 mil
    Return on assets (ROA): 1.29% ($3.2 mil)
    Quarterly return on assets: 0.87% ($2.1 mil)
    Return on Equity (ROE): 13.32% ($3.1 mil)
    Quarterly return on equity: 8.91% ($2.0 mil)
    Net income: $3.0 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.29% ($3,192.6 mil)
    Quarterly Pretax return on assets: 0.87% ($2,153.2 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
  • 72Total employees (full-time equivalent)
  • $247,492Total assets
  • $19,705Cash and due from depository institutions
  • $14,092Interest-bearing balances
  • $137,457Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $84,861Net loans & leases
  • $512Loan loss allowance
  • $0Trading account assets
  • $3,072Bank premises and fixed assets
  • $450Other real estate owned
  • $0Goodwill and other intangibles
  • $247,492Life insurance assets
  • $1,947All other assets
  • $224,440Total liabilities and capital
  • $221,782Total liabilities
  • $168,988Total deposits
  • $221,782Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 2560.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $98Subordinated debt
  • $23,052All other liabilities
  • $23,052Total equity capital
  • $23,052Total bank equity capital
  • $0Perpetual preferred stock
  • $504Common stock
  • $7,567Surplus
  • $14,981Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $710Income earned, not collected on loans
  • $72Earning assets
  • $974Long-term assets (5+ years)
  • $236,410Average Assets, year-to-date
  • $150,166Average Assets, quarterly
  • $234,978Volatile liabilities
  • $237,394Insider loans
  • $99,402FHLB advances
  • $234,817Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $22,249Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,095Restructured Loans and leases
  • $493Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,136Total interest income
  • $1,128Total interest expense
  • $7,008Net interest income
  • $153Provision for loan and lease losses
  • $2,366Total noninterest income
  • $0Fiduciary activities
  • $1,620Service charges on deposit accounts
  • $0Trading account gains & fees
  • $746Additional noninterest income
  • $7,008Total noninterest expense
  • $4,082Salaries and employee benefits
  • $905Premises and equipment expense
  • $2,021Additional noninterest expense
  • $2,213Pre-tax net operating income
  • $816Securities gains (losses)
  • $0Applicable income taxes
  • $3,029Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,029Net income attributable to bank
  • $0Net charge-offs
  • $3,029Cash dividends
  • $116Sale, conversion, retirement of capital stock, net
  • $2,100Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.64%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 3.13%Net interest margin
  • 1.06%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.29%Pretax return on assets
  • 13.32%Return on equity (ROE)
  • 4.09%Retained earnings to average equity (YTD only)
  • 0.13%Net charge-offs to loans
  • 131.90%Credit loss provision to net charge-offs
  • 20.40%Efficiency ratio
  • 74,760Assets per employee
  • 3.44%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 69.33%Loss allowance to loans
  • 0.60%Loss allowance to noncurrent loans
  • 72.11%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.83%Net loans and leases to deposits
  • 38.26%Net loans and leases to core deposits
  • 41.74%Equity capital to assets
  • 9.31%Core capital (leverage) ratio
  • 9.48%Tier 1 risk-based capital ratio
  • 22.38%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $234,978Average earning assets
  • $22,740Average equity
  • $223,743Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08005City Bank & Trust Co.Second And St. Denis Streets, Natchitoches, LA 71457January 01, 1933Full Service Brick and Mortar
    1227522Campti Branch3180 Highway 71, Campti, LA 71411December 28, 1942Full Service Brick and Mortar
    2227523Keyser Avenue Branch430 Keyser Avenue, Natchitoches, LA 71457December 30, 1968Full Service Brick and Mortar
    3227524University Branch600 College Avenue, Natchitoches, LA 71457March 13, 1979Full Service Brick and Mortar
    4360803Many Branch315 San Antionio Avenue, Many, LA 71449June 25, 2001Full Service Brick and Mortar

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