Community Trust Bank in Choudrant, Louisiana (LA), MS, TX
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Community Trust Bank in Choudrant, Louisiana (LA), MS, TX
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Community Trust Bank - Overview

  • General
  • FDIC Certificate #: 12614
    Status: Active
    Federal Reserve ID: 667757
    Bank Holding Company (Regulatory Top Holder): Community Trust Financial Corporation (RSSDID: 1885307, Location: Ruston, LA)
    Date Established: November 23, 1912
    WWW: http://www.ctbonline.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 32 (Domestic: 30, Interstate: Yes)
    OTS Docket #: 12804
    FDIC's unique #: 8010
    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: July 25, 2011
    Last Structure Change Process Date: October 14, 2011
    Last Data Update: October 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 3921 Elm Street, Choudrant, LA 71227
    County: Lincoln
    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): Ruston, LA (#40820)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Participated in Reorganization
    Name Change
  • Financial Summary
  • Total assets: $2,472.6 mil
    Equity capital: $226.7 mil
    Deposits held in domestic offices: $1,908.3 mil
    Return on assets (ROA): 0.88% ($21.8 mil)
    Quarterly return on assets: 0.87% ($21.5 mil)
    Return on Equity (ROE): 9.68% ($22.0 mil)
    Quarterly return on equity: 9.01% ($20.5 mil)
    Net income: $18.7 mil
    Quarterly Net income: $5.1 mil
    Pretax return on assets: 1.25% ($30,907.3 mil)
    Quarterly Pretax return on assets: 1.37% ($33,874.5 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
  • 300Total employees (full-time equivalent)
  • $2,472,588Total assets
  • $91,152Cash and due from depository institutions
  • $37,940Interest-bearing balances
  • $333,385Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $1,898,650Net loans & leases
  • $24,868Loan loss allowance
  • $4,416Trading account assets
  • $51,493Bank premises and fixed assets
  • $4,064Other real estate owned
  • $19,056Goodwill and other intangibles
  • $2,472,588Life insurance assets
  • $70,372All other assets
  • $2,245,900Total liabilities and capital
  • $1,908,306Total liabilities
  • $1,572,985Total deposits
  • $1,908,306Interest-bearing deposits
  • $55Deposits held in domestic offices
  • 27336.00%% insured (estimated)
  • $4,416Federal funds purchased & repurchase agreements
  • $280,906Trading liabilities
  • $0Other borrowed funds
  • $24,936Subordinated debt
  • $226,688All other liabilities
  • $226,688Total equity capital
  • $226,688Total bank equity capital
  • $0Perpetual preferred stock
  • $5Common stock
  • $185,465Surplus
  • $41,218Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $17,949Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $17,020Income earned, not collected on loans
  • $19Earning assets
  • $8,090Long-term assets (5+ years)
  • $2,269,975Average Assets, year-to-date
  • $456,317Average Assets, quarterly
  • $2,110,806Volatile liabilities
  • $2,334,255Insider loans
  • $2,183,904FHLB advances
  • $2,279,024Loans and leases held for sale
  • $20,353Unused loan commitments
  • $7,151Tier 1 (core) risk-based capital
  • $201,424Tier 2 risk-based capital
  • $9,362Total risk weighted assets
  • $3,840Total unused commitments
  • $417,380Restructured Loans and leases
  • $66,025Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $98,108Total interest income
  • $18,650Total interest expense
  • $79,458Net interest income
  • $10,201Provision for loan and lease losses
  • $15,063Total noninterest income
  • $0Fiduciary activities
  • $8,409Service charges on deposit accounts
  • -$117Trading account gains & fees
  • $6,771Additional noninterest income
  • $57,105Total noninterest expense
  • $11,737Salaries and employee benefits
  • $6,455Premises and equipment expense
  • $38,913Additional noninterest expense
  • $27,215Pre-tax net operating income
  • -$823Securities gains (losses)
  • $7,739Applicable income taxes
  • $18,653Income before extraordinary items
  • $0Extraordinary gains - net
  • $18,653Net income attributable to bank
  • $0Net charge-offs
  • $18,653Cash dividends
  • $2,802Sale, conversion, retirement of capital stock, net
  • $6,430Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.05%Yield on earning assets
  • 0.96%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.78%Noninterest income to earning assets
  • 2.94%Noninterest expense to earning assets
  • 0.91%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.25%Pretax return on assets
  • 9.68%Return on equity (ROE)
  • 6.35%Retained earnings to average equity (YTD only)
  • 0.17%Net charge-offs to loans
  • 364.06%Credit loss provision to net charge-offs
  • 13.35%Efficiency ratio
  • 59,212Assets per employee
  • 8.24%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.47%Loss allowance to loans
  • 1.29%Loss allowance to noncurrent loans
  • 146.11%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 0.88%Net loans and leases to deposits
  • 99.49%Net loans and leases to core deposits
  • 106.77%Equity capital to assets
  • 9.17%Core capital (leverage) ratio
  • 8.84%Tier 1 risk-based capital ratio
  • 9.22%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $2,110,806Average earning assets
  • $192,609Average equity
  • $1,943,009Average loans

Total Fiduciary and Related Assets (December 31, 2004)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • YesFiduciary powers granted
  • NoFiduciary or related activity
  • $9,842Managed Assets
  • 1Number of Accounts
  • $9,842Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $9,842Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 1Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 21 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    08010Community Trust Bank3921 Elm Street, Choudrant, LA 71227November 23, 1912Full Service Brick and Mortar
    1227556Northside Banking Center2010 Farmerville Highway, Ruston, LA 71270April 11, 1983Full Service Brick and Mortar
    3227521Highway 2 Banking Center929 Sterlington Hwy, Farmerville, LA 71241April 29, 1982Full Service Brick and Mortar
    4227557Depot Banking Center301 West Alabama Avenue, Ruston, LA 71270October 29, 1990Full Service Brick and Mortar
    5227558Ruston Financial Center1511 North Trenton Street, Ruston, LA 71270September 03, 1996Full Service Brick and Mortar
    6227559West Monroe Financial Center2211 North 7th Street, West Monroe, LA 71291November 24, 1998Full Service Brick and Mortar
    8227561University Banking Center1011 Cooktown Road, Ruston, LA 71270December 14, 1998Full Service Brick and Mortar
    10227563Bernice Banking Center418 Cherry Street, Bernice, LA 71222December 14, 1998Full Service Brick and Mortar
    12227565Calhoun Banking Center2995 Highway 80 West, Calhoun, LA 71225October 22, 1999Full Service Brick and Mortar
    13360807Highway 165 Banking Center1500 Sterlington Road, Monroe, LA 71203June 18, 2001Full Service Brick and Mortar
    15418692Monroe Financial Center1800 Hudson Lane, Monroe, LA 71201April 14, 2003Full Service Brick and Mortar
    168003Farmerville Financial Center200 North Main Street, Farmerville, LA 71241November 18, 1933Full Service Brick and Mortar
    19453598Forsythe Banking Center2400 Forsythe Ave., Monroe, LA 71201April 17, 2006Full Service Brick and Mortar
    21466424Cypress Banking Center5084 Cypress Street, West Monroe, LA 71291March 28, 2007Full Service Brick and Mortar
    22474336Bastrop Banking Center617 East Madison Ave., Bastrop, LA 71220May 12, 2008Full Service Brick and Mortar
    23474337Bastrop Drive Thru Facility635 East Madison Ave., Bastrop, LA 71220May 12, 2008Limited Service Facility
    2573806Shreveport 70th Street Branch1350 East 70th Street, Shreveport, LA 71135September 07, 1999Full Service Brick and Mortar
    26356953Airline Branch2790 Airline Drive, Bossier City, LA 71111July 07, 2000Full Service Brick and Mortar
    27361254Downtown Branch430 Travis Street, Shreveport, LA 71101August 13, 2001Full Service Brick and Mortar
    28477832Line Avenue Branch3400 Line Avenue, Shreveport, LA 71104April 23, 2008Full Service Brick and Mortar
    40526487Vienna Street Banking Center305 South Vienna Street, Ruston, LA 71270July 03, 2006Full Service Brick and Mortar
  • 6 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    29359962Madison Financial Center171 Cobblestone Drive, Madison, MS 39110Febuary 14, 2002Full Service Brick and Mortar
    30454550Gluckstadt Branch1770 Highway 51, Madison, MS 39130August 24, 2006Full Service Brick and Mortar
    31457614Ridgeland Branch775 Lake Harbour Drive, Suite A, Ridgeland, MS 39157January 09, 2007Full Service Brick and Mortar
    32511449Highland Colony Banking Center605 Crescent Boulevard, Suite 100, Ridgeland, MS 39157August 11, 2010Full Service Brick and Mortar
    36514899Oxford Banking Center1312 University Avenue, Oxford, MS 38655December 10, 2010Full Service Brick and Mortar
    37515136Madison County Mobile Banking Center1770 Highway 51, Madison, MS 39110December 07, 2010Limited Service Mobile
  • 5 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    333734Dallas Financial Center8222 Douglas Avenue, One Preston Centre, Dallas, TX 75225January 01, 1892Full Service Brick and Mortar
    34496001Fort Worth Financial Center3000 West 7th Street, Fort Worth, TX 76107October 26, 2009Full Service Brick and Mortar
    35496427Plano Branch4909 West Park Boulevard, Suite 107, Plano, TX 75093August 31, 2009Full Service Brick and Mortar
    39522091Community Trust Bank - Frisco Bankin9456 State Highway 121, Frisco, TX 75035August 01, 2011Full Service Brick and Mortar
    41529509Camp Bowie Banking Center5800 Camp Bowie Boulevard, Fort Worth, TX 76107March 05, 2012Full Service Brick and Mortar

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