Concordia Bank & Trust Company in city_name, state_name - Detailed Financial Reports, Location

Concordia Bank & Trust Company in Vidalia, Louisiana (LA), MS
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Concordia Bank & Trust Company routing number info

Concordia Bank & Trust Company - Overview

General
FDIC Certificate #: 8527
Status: Active
Federal Reserve ID: 819556
Bank Holding Company (Regulatory Top Holder): Concordia Capital Corporation (RSSDID: 2557414, Location: Vidalia, LA)
Date Established: July 01, 1903
WWW: http://www.concordiabank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Domestic: 7, Interstate: Yes)
OTS Docket #: 11229
FDIC's unique #: 5435
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: All Other Specialization < 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: 904 Carter Street, Vidalia, LA 71373
County: Concordia
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): Natchez, MS-LA (#35020)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $516.6 mil
Equity capital: $56.6 mil
Deposits held in domestic offices: $432.4 mil
Return on assets (ROA): 0.91% ($4.7 mil)
Quarterly return on assets: 0.68% ($3.5 mil)
Return on Equity (ROE): 8.25% ($4.7 mil)
Quarterly return on equity: 6.23% ($3.6 mil)
Net income: $4.5 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.23% ($6,354.5 mil)
Quarterly Pretax return on assets: 0.97% ($5,011.3 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
122Total employees (full-time equivalent)
$516,630Total assets
$77,836Cash and due from depository institutions
$69,329Interest-bearing balances
$177,975Securities
$0Federal funds sold & reverse repurchase agreements
$236,420Net loans & leases
$861Loan loss allowance
$0Trading account assets
$8,070Bank premises and fixed assets
$1,964Other real estate owned
$1,493Goodwill and other intangibles
$516,630Life insurance assets
$12,872All other assets
$459,991Total liabilities and capital
$432,429Total liabilities
$349,026Total deposits
$432,429Interest-bearing deposits
$79Deposits held in domestic offices
24149.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$3,413Subordinated debt
$56,639All other liabilities
$56,639Total equity capital
$56,639Total bank equity capital
$0Perpetual preferred stock
$2,500Common stock
$35,000Surplus
$19,139Undivided profits
Memoranda
$0Noncurrent loans and leases
$520Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$3,835Income earned, not collected on loans
$0Earning assets
$2,843Long-term assets (5+ years)
$483,724Average Assets, year-to-date
$73,084Average Assets, quarterly
$501,685Volatile liabilities
$512,122Insider loans
$254,463FHLB advances
$511,716Loans and leases held for sale
$6,686Unused loan commitments
$6,686Tier 1 (core) risk-based capital
$54,382Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$24,054Restructured Loans and leases
$8,186Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$20,470Total interest income
$4,827Total interest expense
$15,643Net interest income
$162Provision for loan and lease losses
$2,830Total noninterest income
$11Fiduciary activities
$2,134Service charges on deposit accounts
$0Trading account gains & fees
$685Additional noninterest income
$12,124Total noninterest expense
$7,443Salaries and employee benefits
$1,301Premises and equipment expense
$3,380Additional noninterest expense
$6,187Pre-tax net operating income
$0Securities gains (losses)
$1,638Applicable income taxes
$4,549Income before extraordinary items
$0Extraordinary gains - net
$4,549Net income attributable to bank
$0Net charge-offs
$4,549Cash dividends
$126Sale, conversion, retirement of capital stock, net
$1,600Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.36%Yield on earning assets
1.03%Cost of funding earning assets
3.33%Net interest margin
0.60%Noninterest income to earning assets
2.58%Noninterest expense to earning assets
0.91%Net operating income to assets
0.91%Return on assets (ROA)
1.23%Pretax return on assets
8.25%Return on equity (ROE)
5.35%Retained earnings to average equity (YTD only)
0.05%Net charge-offs to loans
128.57%Credit loss provision to net charge-offs
50.39%Efficiency ratio
65,631Assets per employee
4.23%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.17%Loss allowance to loans
0.36%Loss allowance to noncurrent loans
22.45%Noncurrent assets plus other real estate owned to assets
1.12%Noncurrent loans to loans
1.62%Net loans and leases to deposits
54.67%Net loans and leases to core deposits
60.51%Equity capital to assets
10.96%Core capital (leverage) ratio
10.63%Tier 1 risk-based capital ratio
21.37%Total risk-based capital ratio
Memoranda
$22Average assets
$501,685Average earning assets
$55,125Average equity
$469,273Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$2,829Managed Assets
1Number of Accounts
$2,829Personal trust and agency accounts
$2,829Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
14Number 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

3 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	5435	Concordia Bank & Trust Company	904 Carter Street, Vidalia, LA 71373	July 01, 1903	Full Service Brick and Mortar
1	218663	Ferriday Branch	201 Louisiana Avenue, Ferriday, LA 71334	August 01, 1937	Full Service Brick and Mortar
2	218664	Monterey Branch	6292 Highway 129, Monterey, LA 71354	April 05, 1976	Full Service Brick and Mortar

4 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
5	44755	Wilkinson County Branch	498 Main Street, Woodville, MS 39669	January 01, 1973	Full Service Brick and Mortar
6	419445	Natchez Branch	45 Sargeant Road, Natchez, MS 39120	August 13, 2002	Full Service Brick and Mortar
7	492412	North Natchez Branch	516 Hwy 61 North, Natchez, MS 39120	November 13, 2008	Full Service Brick and Mortar
8	499532	Downtown Natchez Branch	300 Main Street, Natchez, MS 39120	December 07, 2009	Full Service Brick and Mortar

Concordia Bank & Trust Company in Vidalia, Louisiana (LA), MS
Overview, Financial Summary, Detailed Financial Reports, Branches

Concordia Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Concordia Bank & Trust Company in Vidalia, Louisiana (LA), MSOverview, Financial Summary, Detailed Financial Reports, Branches

Concordia Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Concordia Bank & Trust Company in Vidalia, Louisiana (LA), MS
Overview, Financial Summary, Detailed Financial Reports, Branches