Jeff Davis Bank & Trust Company in Jennings, Louisiana (LA)

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Jeff Davis Bank & Trust Company
GeneralFDIC Certificate #: 16546
Status: Active
Federal Reserve ID: 980531
Bank Holding Company (Regulatory Top Holder): Jeff Davis Bancshares, Inc. (RSSDID: 1833997, Location: Jennings, LA)
Date Established: March 12, 1947
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 14 (Domestic: 14, Interstate: No)
FDIC's unique #: 10698
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: March 12, 1947
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
LocationAddress: 507 Main Street, Jennings, LA 70546
County: Jefferson Davis
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Combined Statistical Area (CSA): Lake Charles-Jennings, LA (#324)
Core Based Statistical Area (CBSA): Jennings, LA (#27660)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $547.5 mil
Equity capital: $63.8 mil
Deposits held in domestic offices: $475.6 mil
Return on assets (ROA): 1.23% ($6.7 mil)
Quarterly return on assets: 1.33% ($7.3 mil)
Return on Equity (ROE): 10.81% ($6.9 mil)
Quarterly return on equity: 11.42% ($7.3 mil)
Net income: $6.6 mil
Quarterly Net income: $1.8 mil
Pretax return on assets: 1.53% ($8,376.3 mil)
Quarterly Pretax return on assets: 1.66% ($9,088.0 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)203
Total assets$547,469
Cash and due from depository institutions$47,702
Interest-bearing balances$31,850
Federal funds sold & reverse repurchase agreements$100
Net loans & leases$273,472
Loan loss allowance $4,440
Trading account assets$0
Bank premises and fixed assets$15,437
Other real estate owned$166
Goodwill and other intangibles$1,696
All other assets$22,856
Life insurance assets$547,469
Total liabilities and capital$483,660
Total liabilities$475,600
Total deposits$374,428
Interest-bearing deposits$475,600
Deposits held in domestic offices$90
% insured (estimated)2923.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $5,137
All other liabilities $63,809
Total equity capital$63,809
Total bank equity capital$63,809
Perpetual preferred stock$0
Common stock$9,600
Undivided profits $31,809
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 $2,556
Earning assets $0
Long-term assets (5+ years) $2,931
Average Assets, year-to-date $491,462
Average Assets, quarterly $144,287
Volatile liabilities $537,834
Insider loans $544,239
FHLB advances $305,753
Loans and leases held for sale $526,932
Unused loan commitments $7,853
Tier 1 (core) risk-based capital $3,341
Tier 2 risk-based capital $56,558
Total risk weighted assets $3,460
Total unused commitments $1,052
Restructured Loans and leases $42,136
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $23,677
Total interest expense $3,436
Net interest income $20,241
Provision for loan and lease losses $450
Total noninterest income $6,968
Fiduciary activities $761
Service charges on deposit accounts $3,908
Trading account gains & fees $0
Additional noninterest income $2,299
Total noninterest expense $18,574
Salaries and employee benefits $9,204
Premises and equipment expense $3,433
Additional noninterest expense $5,937
Pre-tax net operating income $8,185
Securities gains (losses) $55
Applicable income taxes $1,636
Income before extraordinary items $6,604
Extraordinary gains - net $0
Net income attributable to bank $6,604
Net charge-offs $0
Cash dividends $6,604
Sale, conversion, retirement of capital stock, net $338
Net operating income $4,400
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.91%
Cost of funding earning assets 0.71%
Net interest margin 4.20%
Noninterest income to earning assets 1.45%
Noninterest expense to earning assets 3.85%
Net operating income to assets 1.22%
Return on assets (ROA) 1.23%
Pretax return on assets 1.53%
Return on equity (ROE) 10.81%
Retained earnings to average equity (YTD only) 3.61%
Net charge-offs to loans 0.12%
Credit loss provision to net charge-offs 133.14%
Efficiency ratio25.55%
Assets per employee$68,264
Cash dividends to net income (YTD only)2.70%
Condition Ratios (%)
Loss allowance to loans 66.63%
Loss allowance to noncurrent loans 1.60%
Noncurrent assets plus other real estate owned to assets 173.71%
Noncurrent loans to loans 0.50%
Net loans and leases to deposits0.92%
Net loans and leases to core deposits 57.50%
Equity capital to assets 63.37%
Core capital (leverage) ratio 11.66%
Tier 1 risk-based capital ratio 10.73%
Total risk-based capital ratio 18.50%
Average assets$20
Average earning assets$537,834
Average equity $61,118
Average loans $482,114
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$155,034
Number of Accounts1
Personal trust and agency accounts$110,571
Employee benefit-defined contribution accounts$101,571
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$1,338
Investment management agency accounts$0
Other fiduciary accounts$6,898
Fiduciary accounts held in foreign offices$764
Non-managed Assets$0
Number of Accounts1128
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$1,338
Employee benefit-defined benefit accounts$0
Other retirement accounts$44,463
Corporate trust and agency accounts$21,611
Other fiduciary accounts$14,036
Fiduciary accounts held in foreign offices$8,816
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14 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
010698Jeff Davis Bank & Trust Company507 Main Street, Jennings, LA 70546March 12, 1947Full Service Brick and Mortar
1238294Lake Arthur Branch338 Arthur Avenue, Lake Arthur, LA 70549July 10, 1967Full Service Brick and Mortar
2238295Roberts Avenue Branch424 Roberts Avenue, Jennings, LA 70546November 18, 1974Limited Service Facility
3238296West Division Street Branch407 West Division Street, Jennings, LA 70546November 18, 1974Limited Service Facility
4238297Iowa Branch428 South Kinney Avenue, Iowa, LA 70647May 22, 1986Full Service Brick and Mortar
5238298Welsh Branch101 North Adams Street, Welsh, LA 70591August 10, 1992Full Service Brick and Mortar
6238299Kinder Branch1116 Ninth Street, Kinder, LA 70648April 03, 1995Full Service Brick and Mortar
7243336Mcneese Branch4100 Ryan Street, Lake Charles, LA 70601May 20, 1964Full Service Brick and Mortar
8243339Moss Bluff BranchLa. Highway 378 And U.S. Highway 171, Moss Bluff, LA 70601April 19, 1971Full Service Brick and Mortar
9238300Kirby Street Branch535 Kirby Street, Lake Charles, LA 70601August 16, 1995Full Service Brick and Mortar
10238301Sulphur Branch2905 Maplewood Drive, Sulphur, LA 70663September 23, 1996Full Service Brick and Mortar
11238302Lake Charles - Nelson Road Branch4400 Nelson Road, Lake Charles, LA 70605October 04, 1999Full Service Brick and Mortar
12418688Highway 14 Office2726 Gerstner Memorial Drive, Lake Charles, LA 70601March 31, 2003Full Service Brick and Mortar
13438792Carlyss Branch4507 South Highway 27, Sulphur, LA 70665March 07, 2005Full Service Brick and Mortar
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