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



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Exchange Bank and Trust Company, Natchitoches, Louisiana routing number info

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Exchange Bank and Trust Company, Natchitoches, Louisiana
GeneralFDIC 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
WWW: http://www.exchange-bank.com
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
LocationAddress: 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 ChangesCorrections
Financial SummaryTotal 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)
Total employees (full-time equivalent)28
Total assets$111,353
Cash and due from depository institutions$2,287
Interest-bearing balances$472
Securities$59,498
Federal funds sold & reverse repurchase agreements$1,600
Net loans & leases$43,927
Loan loss allowance $761
Trading account assets$0
Bank premises and fixed assets$1,044
Other real estate owned$295
Goodwill and other intangibles$1,581
All other assets$1,121
Life insurance assets$111,353
Total liabilities and capital$96,004
Total liabilities$94,691
Total deposits$75,845
Interest-bearing deposits$94,691
Deposits held in domestic offices$74
% insured (estimated)1155.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $158
All other liabilities $15,349
Total equity capital$15,349
Total bank equity capital$15,349
Perpetual preferred stock$0
Common stock$350
Surplus$11,048
Undivided profits $3,951
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $188
Earning assets $0
Long-term assets (5+ years) $588
Average Assets, year-to-date $105,497
Average Assets, quarterly $53,456
Volatile liabilities $108,370
Insider loans $110,403
FHLB advances $50,837
Loans and leases held for sale $109,290
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $11,532
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $6,588
Derivatives$1,747
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $4,604
Total interest expense $353
Net interest income $4,251
Provision for loan and lease losses -$300
Total noninterest income $661
Fiduciary activities $0
Service charges on deposit accounts $339
Trading account gains & fees $0
Additional noninterest income $322
Total noninterest expense $3,185
Salaries and employee benefits $1,440
Premises and equipment expense $353
Additional noninterest expense $1,392
Pre-tax net operating income $2,027
Securities gains (losses) $3
Applicable income taxes $0
Income before extraordinary items $2,030
Extraordinary gains - net $0
Net income attributable to bank $2,030
Net charge-offs $0
Cash dividends $2,030
Sale, conversion, retirement of capital stock, net -$45
Net operating income $2,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.52%
Cost of funding earning assets 0.35%
Net interest margin 4.17%
Noninterest income to earning assets 0.65%
Noninterest expense to earning assets 3.13%
Net operating income to assets 1.87%
Return on assets (ROA) 1.87%
Pretax return on assets 1.87%
Return on equity (ROE) 13.48%
Retained earnings to average equity (YTD only) 0.20%
Net charge-offs to loans -0.10%
Credit loss provision to net charge-offs 666.67%
Efficiency ratio0.00%
Assets per employee$56,189
Cash dividends to net income (YTD only)3.98%
Condition Ratios (%)
Loss allowance to loans 98.52%
Loss allowance to noncurrent loans 1.70%
Noncurrent assets plus other real estate owned to assets 404.79%
Noncurrent loans to loans 0.43%
Net loans and leases to deposits0.42%
Net loans and leases to core deposits 46.39%
Equity capital to assets 47.65%
Core capital (leverage) ratio 13.78%
Tier 1 risk-based capital ratio 10.55%
Total risk-based capital ratio 22.68%
Memoranda
Average assets$24
Average earning assets$108,370
Average equity $15,057
Average loans $101,870
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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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