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


  • Concordia Bank & Trust Company in Vidalia, Louisiana (LA), MS
  • Show street view No street view available for this location

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
  • NoIDNameAddressEstablishedService TypeMap
    05435Concordia Bank & Trust Company904 Carter Street, Vidalia, LA 71373July 01, 1903Full Service Brick and Mortar
    1218663Ferriday Branch201 Louisiana Avenue, Ferriday, LA 71334August 01, 1937Full Service Brick and Mortar
    2218664Monterey Branch6292 Highway 129, Monterey, LA 71354April 05, 1976Full Service Brick and Mortar
  • 4 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    544755Wilkinson County Branch498 Main Street, Woodville, MS 39669January 01, 1973Full Service Brick and Mortar
    6419445Natchez Branch45 Sargeant Road, Natchez, MS 39120August 13, 2002Full Service Brick and Mortar
    7492412North Natchez Branch516 Hwy 61 North, Natchez, MS 39120November 13, 2008Full Service Brick and Mortar
    8499532Downtown Natchez Branch300 Main Street, Natchez, MS 39120December 07, 2009Full Service Brick and Mortar

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

CAPTCHA

This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with Concordia Bank & Trust Company.
Based on public records. Inadvertent errors are possible.
bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents