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

  • Gibsland Bank & Trust Company in Gibsland, Louisiana (LA)
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Gibsland Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 16689
    Status: Active
    Federal Reserve ID: 734350
    Bank Holding Company (Regulatory Top Holder): Gibsland Bancshares, Inc. (RSSDID: 1136102, Location: Gibsland, LA)
    Date Established: April 15, 1948
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Domestic: 8, Interstate: No)
    FDIC's unique #: 10815
    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: April 15, 1948
    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: 1246 Third Street, Gibsland, LA 71028
    County: Bienville
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $263.3 mil
    Equity capital: $20.6 mil
    Deposits held in domestic offices: $239.2 mil
    Return on assets (ROA): 1.27% ($3.3 mil)
    Quarterly return on assets: 1.27% ($3.3 mil)
    Return on Equity (ROE): 15.34% ($3.2 mil)
    Quarterly return on equity: 15.21% ($3.2 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.8 mil
    Pretax return on assets: 1.73% ($4,555.6 mil)
    Quarterly Pretax return on assets: 1.63% ($4,292.3 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
  • 80Total employees (full-time equivalent)
  • $263,331Total assets
  • $12,534Cash and due from depository institutions
  • $0Interest-bearing balances
  • $36,949Securities
  • $31,025Federal funds sold & reverse repurchase agreements
  • $167,351Net loans & leases
  • $903Loan loss allowance
  • $0Trading account assets
  • $6,513Bank premises and fixed assets
  • $1,428Other real estate owned
  • $0Goodwill and other intangibles
  • $263,331Life insurance assets
  • $7,531All other assets
  • $242,724Total liabilities and capital
  • $239,244Total liabilities
  • $175,015Total deposits
  • $239,244Interest-bearing deposits
  • $72Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $171Trading liabilities
  • $0Other borrowed funds
  • $3,309Subordinated debt
  • $20,607All other liabilities
  • $20,607Total equity capital
  • $20,607Total bank equity capital
  • $0Perpetual preferred stock
  • $216Common stock
  • $10,000Surplus
  • $10,391Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,959Income earned, not collected on loans
  • $0Earning assets
  • $1,149Long-term assets (5+ years)
  • $235,325Average Assets, year-to-date
  • $28,105Average Assets, quarterly
  • $229,658Volatile liabilities
  • $243,375Insider loans
  • $173,519FHLB advances
  • $231,536Loans and leases held for sale
  • $1,787Unused loan commitments
  • $1,734Tier 1 (core) risk-based capital
  • $20,675Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $53Total unused commitments
  • $11,812Restructured Loans and leases
  • $352Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,730Total interest income
  • $2,014Total interest expense
  • $10,716Net interest income
  • $605Provision for loan and lease losses
  • $1,738Total noninterest income
  • $0Fiduciary activities
  • $942Service charges on deposit accounts
  • $0Trading account gains & fees
  • $796Additional noninterest income
  • $7,865Total noninterest expense
  • $3,895Salaries and employee benefits
  • $1,016Premises and equipment expense
  • $2,954Additional noninterest expense
  • $3,984Pre-tax net operating income
  • $0Securities gains (losses)
  • $1,075Applicable income taxes
  • $2,909Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,909Net income attributable to bank
  • $0Net charge-offs
  • $2,909Cash dividends
  • $678Sale, conversion, retirement of capital stock, net
  • $108Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.12%Yield on earning assets
  • 0.97%Cost of funding earning assets
  • 5.16%Net interest margin
  • 0.84%Noninterest income to earning assets
  • 3.78%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.73%Pretax return on assets
  • 15.34%Return on equity (ROE)
  • 14.77%Retained earnings to average equity (YTD only)
  • 0.44%Net charge-offs to loans
  • 89.23%Credit loss provision to net charge-offs
  • 6.77%Efficiency ratio
  • 63,152Assets per employee
  • 3.29%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 3.71%Loss allowance to loans
  • 0.54%Loss allowance to noncurrent loans
  • 46.09%Noncurrent assets plus other real estate owned to assets
  • 1.29%Noncurrent loans to loans
  • 1.16%Net loans and leases to deposits
  • 69.95%Net loans and leases to core deposits
  • 80.64%Equity capital to assets
  • 7.83%Core capital (leverage) ratio
  • 8.93%Tier 1 risk-based capital ratio
  • 11.92%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $229,658Average earning assets
  • $18,961Average equity
  • $207,837Average loans

List of branches

  • 8 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010815Gibsland Bank & Trust Company1246 Third Street, Gibsland, LA 71028April 15, 1948Full Service Brick and Mortar
    1238566Arcadia Branch1820 Second Street, Arcadia, LA 71001November 07, 1988Full Service Brick and Mortar
    2238567Athens Branch15315 Hwy 9, Athens, LA 71003July 17, 1997Full Service Brick and Mortar
    3238568Minden Wal-Mart Supercenter Branch1379 Homer Road, Minden, LA 71055April 21, 1999Full Service Brick and Mortar
    4361134Minden Homer Road Branch1374 Homer Road, Minden, LA 71055December 10, 2000Full Service Brick and Mortar
    5424235Sibley Branch318 North Main Street, Sibley, LA 71073December 18, 2003Full Service Brick and Mortar
    6492938Bossier Branch5360 Eat Texas Street, Bossier City, LA 71111January 12, 2009Full Service Brick and Mortar
    7501635Homer Branch813 West Main Street, Homer, LA 71040December 14, 2009Full Service Brick and Mortar

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