City Savings Bank & Trust Company in Deridder, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

City Savings Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 10534
    Status: Active
    Federal Reserve ID: 541035
    Bank Holding Company (Regulatory Top Holder): Louisiana Community Bancorp, Inc. (RSSDID: 2909554, Location: Deridder, LA)
    Date Established: May 28, 1928
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Domestic: 7, Interstate: No)
    FDIC's unique #: 6747
    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: January 01, 1934
    Last Structure Change Effective Date: January 01, 2012
    Last Structure Change Process Date: April 04, 2012
    Last Data Update: April 04, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 301 North Pine Street, Deridder, LA 70634
    County: Beauregard
    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
    Combined Statistical Area (CSA): Fort Polk South-DeRidder, LA (#256)
    Core Based Statistical Area (CBSA): DeRidder, LA (#19760)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $217.3 mil
    Equity capital: $24.8 mil
    Deposits held in domestic offices: $191.3 mil
    Return on assets (ROA): 2.31% ($5.0 mil)
    Quarterly return on assets: 2.39% ($5.2 mil)
    Return on Equity (ROE): 19.76% ($4.9 mil)
    Quarterly return on equity: 20.66% ($5.2 mil)
    Net income: $4.7 mil
    Quarterly Net income: $1.3 mil
    Pretax return on assets: 2.31% ($5,019.3 mil)
    Quarterly Pretax return on assets: 2.39% ($5,193.1 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
  • 84Total employees (full-time equivalent)
  • $217,286Total assets
  • $17,180Cash and due from depository institutions
  • $12,190Interest-bearing balances
  • $28,977Securities
  • $11,575Federal funds sold & reverse repurchase agreements
  • $150,829Net loans & leases
  • $1,861Loan loss allowance
  • $0Trading account assets
  • $6,248Bank premises and fixed assets
  • $198Other real estate owned
  • $0Goodwill and other intangibles
  • $217,286Life insurance assets
  • $2,279All other assets
  • $192,452Total liabilities and capital
  • $191,329Total liabilities
  • $139,752Total deposits
  • $191,329Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,123Subordinated debt
  • $24,834All other liabilities
  • $24,834Total equity capital
  • $24,834Total bank equity capital
  • $0Perpetual preferred stock
  • $1,132Common stock
  • $4,113Surplus
  • $19,589Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $392Income earned, not collected on loans
  • $0Earning assets
  • $873Long-term assets (5+ years)
  • $203,571Average Assets, year-to-date
  • $12,643Average Assets, quarterly
  • $202,463Volatile liabilities
  • $213,252Insider loans
  • $148,963FHLB advances
  • $210,847Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,184Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $18,059Restructured Loans and leases
  • $1,420Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,527Total interest income
  • $940Total interest expense
  • $10,587Net interest income
  • $356Provision for loan and lease losses
  • $1,934Total noninterest income
  • $0Fiduciary activities
  • $902Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,032Additional noninterest income
  • $7,488Total noninterest expense
  • $3,984Salaries and employee benefits
  • $859Premises and equipment expense
  • $2,645Additional noninterest expense
  • $4,677Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $4,677Income before extraordinary items
  • $0Extraordinary gains - net
  • $4,677Net income attributable to bank
  • $0Net charge-offs
  • $4,677Cash dividends
  • $160Sale, conversion, retirement of capital stock, net
  • $2,199Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.08%Yield on earning assets
  • 0.50%Cost of funding earning assets
  • 5.59%Net interest margin
  • 1.02%Noninterest income to earning assets
  • 3.95%Noninterest expense to earning assets
  • 2.31%Net operating income to assets
  • 2.31%Return on assets (ROA)
  • 2.31%Pretax return on assets
  • 19.76%Return on equity (ROE)
  • 10.47%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 222.50%Credit loss provision to net charge-offs
  • 31.46%Efficiency ratio
  • 59,804Assets per employee
  • 2.59%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 47.02%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 474.74%Noncurrent assets plus other real estate owned to assets
  • 0.27%Noncurrent loans to loans
  • 0.26%Net loans and leases to deposits
  • 78.83%Net loans and leases to core deposits
  • 83.92%Equity capital to assets
  • 11.43%Core capital (leverage) ratio
  • 11.94%Tier 1 risk-based capital ratio
  • 16.91%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $202,463Average earning assets
  • $23,664Average equity
  • $189,520Average loans

List of branches

  • 7 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06747City Savings Bank & Trust Company301 North Pine Street, Deridder, LA 70634May 28, 1928Full Service Brick and Mortar
    2222574Countryside Branch2197 Hwy 171, Deridder, LA 70634November 12, 1973Full Service Brick and Mortar
    5222577De Quincy Branch201 West Fourth Street, De Quincy, LA 70633August 05, 1996Full Service Brick and Mortar
    6222578Moss Bluff Branch1741 Highway 171 North, Moss Bluff, LA 70612March 08, 1999Full Service Brick and Mortar
    7418677Leesville Branch400 South Fifth Street, Leesville, LA 71446Febuary 03, 2003Full Service Brick and Mortar
    8439381Sulphur Branch1520 Maplewood Drive, Sulphur, LA 70663October 08, 2004Full Service Brick and Mortar
    9452309Lake Charles Branch3881 Gerstner Memorial Drive, Lake Charles, LA 70607March 24, 2006Full Service Brick and Mortar

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