Exchange Bank and Trust Company, Natchitoches, Louisiana in Natchitoches, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Exchange Bank and Trust Company, Natchitoches, Louisiana in Natchitoches, Louisiana (LA)
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Exchange Bank and Trust Company, Natchitoches, Louisiana - Overview

  • General
  • FDIC Certificate #: 10528
    Status: Active
    Federal Reserve ID: 985451
    Bank Holding Company (Regulatory Top Holder): Exchange Bancshares, Inc. (RSSDID: 1106525, Location: Natchitoches, LA)
    Date Established: September 28, 1892
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 11399
    FDIC's unique #: 6743
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: January 25, 2008
    Last Structure Change Process Date: January 25, 2008
    Last Data Update: January 25, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 700 Front Street, 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
  • Financial Summary
  • Total assets: $111.4 mil
    Equity capital: $15.3 mil
    Deposits held in domestic offices: $94.7 mil
    Return on assets (ROA): 1.87% ($2.1 mil)
    Quarterly return on assets: 2.59% ($2.9 mil)
    Return on Equity (ROE): 13.48% ($2.0 mil)
    Quarterly return on equity: 18.33% ($2.7 mil)
    Net income: $2.0 mil
    Quarterly Net income: $0.7 mil
    Pretax return on assets: 1.87% ($2,082.3 mil)
    Quarterly Pretax return on assets: 2.59% ($2,884.0 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
  • 28Total employees (full-time equivalent)
  • $111,353Total assets
  • $2,287Cash and due from depository institutions
  • $472Interest-bearing balances
  • $59,498Securities
  • $1,600Federal funds sold & reverse repurchase agreements
  • $43,927Net loans & leases
  • $761Loan loss allowance
  • $0Trading account assets
  • $1,044Bank premises and fixed assets
  • $295Other real estate owned
  • $1,581Goodwill and other intangibles
  • $111,353Life insurance assets
  • $1,121All other assets
  • $96,004Total liabilities and capital
  • $94,691Total liabilities
  • $75,845Total deposits
  • $94,691Interest-bearing deposits
  • $74Deposits held in domestic offices
  • 1155.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $158Subordinated debt
  • $15,349All other liabilities
  • $15,349Total equity capital
  • $15,349Total bank equity capital
  • $0Perpetual preferred stock
  • $350Common stock
  • $11,048Surplus
  • $3,951Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $188Income earned, not collected on loans
  • $0Earning assets
  • $588Long-term assets (5+ years)
  • $105,497Average Assets, year-to-date
  • $53,456Average Assets, quarterly
  • $108,370Volatile liabilities
  • $110,403Insider loans
  • $50,837FHLB advances
  • $109,290Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $11,532Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $6,588Restructured Loans and leases
  • $1,747Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,604Total interest income
  • $353Total interest expense
  • $4,251Net interest income
  • -$300Provision for loan and lease losses
  • $661Total noninterest income
  • $0Fiduciary activities
  • $339Service charges on deposit accounts
  • $0Trading account gains & fees
  • $322Additional noninterest income
  • $3,185Total noninterest expense
  • $1,440Salaries and employee benefits
  • $353Premises and equipment expense
  • $1,392Additional noninterest expense
  • $2,027Pre-tax net operating income
  • $3Securities gains (losses)
  • $0Applicable income taxes
  • $2,030Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,030Net income attributable to bank
  • $0Net charge-offs
  • $2,030Cash dividends
  • -$45Sale, conversion, retirement of capital stock, net
  • $2,000Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.52%Yield on earning assets
  • 0.35%Cost of funding earning assets
  • 4.17%Net interest margin
  • 0.65%Noninterest income to earning assets
  • 3.13%Noninterest expense to earning assets
  • 1.87%Net operating income to assets
  • 1.87%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 13.48%Return on equity (ROE)
  • 0.20%Retained earnings to average equity (YTD only)
  • -0.10%Net charge-offs to loans
  • 666.67%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 56,189Assets per employee
  • 3.98%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 98.52%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 404.79%Noncurrent assets plus other real estate owned to assets
  • 0.43%Noncurrent loans to loans
  • 0.42%Net loans and leases to deposits
  • 46.39%Net loans and leases to core deposits
  • 47.65%Equity capital to assets
  • 13.78%Core capital (leverage) ratio
  • 10.55%Tier 1 risk-based capital ratio
  • 22.68%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $108,370Average earning assets
  • $15,057Average equity
  • $101,870Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    06743Exchange Bank And Trust Company, Natchitoches, Louisiana700 Front Street, Natchitoches, LA 71457September 28, 1892Full Service Brick and Mortar
    3225557East Natchitoches Branch104 Highway 1 South, Natchitoches, LA 71457September 29, 1967Limited Service Facility

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