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

This bank is inactive as of July 01, 1998

Peoples Bank & Trust Company in Minden, Louisiana (LA)
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Peoples Bank & Trust Company - Overview

General
FDIC Certificate #: 8525
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Capital One, National Association (#4297)
Federal Reserve ID: 189053
Date Established: Febuary 10, 1931
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 9 (Interstate: No)
FDIC's unique #: 5433
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: Yes
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 01, 1998
Last Structure Change Process Date: August 04, 1998
Last Data Update: August 04, 1998
Data Source Date: April 05, 2012
Location
Address: 618 Main Street, Minden, LA 71055
County: Webster
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
Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
Core Based Statistical Area (CBSA): Minden, LA (#33380)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $231.5 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
78Total employees (full-time equivalent)
$227,995Total assets
$5,609Cash and due from depository institutions
$0Interest-bearing balances
$101,553Securities
$39,300Federal funds sold & reverse repurchase agreements
$76,442Net loans & leases
$1,980Loan loss allowance
$0Trading account assets
$1,026Bank premises and fixed assets
$67Other real estate owned
$1,792Goodwill and other intangibles
$0Life insurance assets
$2,206All other assets
$227,995Total liabilities and capital
$203,003Total liabilities
$197,428Total deposits
$165,115Interest-bearing deposits
$197,428Deposits held in domestic offices
0.00%% insured (estimated)
$4,085Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,490All other liabilities
$24,992Total equity capital
$24,992Total bank equity capital
$24,992Perpetual preferred stock
$0Common stock
$1,382Surplus
$14,779Undivided profits
Memoranda
$8,831Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$369Earning assets
$0Long-term assets (5+ years)
$2,205Average Assets, year-to-date
$217,295Average Assets, quarterly
$8,289Volatile liabilities
$229,187Insider loans
$227,283FHLB advances
$28,165Loans and leases held for sale
$2,207Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$3,168Total unused commitments
$0Restructured Loans and leases
$96,468Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$15,934Total interest income
$7,010Total interest expense
$8,924Net interest income
$30Provision for loan and lease losses
$1,467Total noninterest income
$19Fiduciary activities
$1,138Service charges on deposit accounts
$0Trading account gains & fees
$310Additional noninterest income
$4,679Total noninterest expense
$2,490Salaries and employee benefits
$638Premises and equipment expense
$1,551Additional noninterest expense
$5,682Pre-tax net operating income
$74Securities gains (losses)
$1,945Applicable income taxes
$3,811Income before extraordinary items
$0Extraordinary gains - net
$3,811Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$76Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.35%Yield on earning assets
3.23%Cost of funding earning assets
4.12%Net interest margin
0.68%Noninterest income to earning assets
2.16%Noninterest expense to earning assets
1.64%Net operating income to assets
1.66%Return on assets (ROA)
2.51%Pretax return on assets
16.49%Return on equity (ROE)
16.49%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
39.47%Credit loss provision to net charge-offs
75.16%Efficiency ratio
42,874Assets per employee
2.92%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
2.52%Loss allowance to noncurrent loans
536.59%Noncurrent assets plus other real estate owned to assets
0.19%Noncurrent loans to loans
0.47%Net loans and leases to deposits
38.72%Net loans and leases to core deposits
44.10%Equity capital to assets
10.96%Core capital (leverage) ratio
11.09%Tier 1 risk-based capital ratio
24.05%Total risk-based capital ratio
Memoranda
$25Average assets
$229,187Average earning assets
$23,107Average equity
$216,802Average loans

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