Peoples Bank and Trust Company of Pointe Coupee Parish in New Roads, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Peoples Bank and Trust Company of Pointe Coupee Parish in New Roads, Louisiana (LA)
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Peoples Bank and Trust Company of Pointe Coupee Parish - Overview

  • General
  • FDIC Certificate #: 23090
    Status: Active
    Federal Reserve ID: 8033
    Bank Holding Company (Regulatory Top Holder): Peoples Bancshares Of Pointe Coupee Parish, Inc. (RSSDID: 1084883, Location: New Roads, LA)
    Date Established: March 31, 1980
    WWW: http://www.thefriendlybank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 15605
    FDIC's unique #: 16176
    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: March 31, 1980
    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: 805 Hospital Road, New Roads, LA 70760
    County: Pointe Coupee
    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): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $165.8 mil
    Equity capital: $16.2 mil
    Deposits held in domestic offices: $134.6 mil
    Return on assets (ROA): 1.01% ($1.7 mil)
    Quarterly return on assets: 1.06% ($1.8 mil)
    Return on Equity (ROE): 10.78% ($1.7 mil)
    Quarterly return on equity: 10.87% ($1.7 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 1.49% ($2,470.5 mil)
    Quarterly Pretax return on assets: 1.50% ($2,487.1 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
  • 35Total employees (full-time equivalent)
  • $165,804Total assets
  • $14,346Cash and due from depository institutions
  • $11,610Interest-bearing balances
  • $10,789Securities
  • $1,325Federal funds sold & reverse repurchase agreements
  • $132,367Net loans & leases
  • $914Loan loss allowance
  • $0Trading account assets
  • $2,807Bank premises and fixed assets
  • $382Other real estate owned
  • $0Goodwill and other intangibles
  • $165,804Life insurance assets
  • $3,788All other assets
  • $149,619Total liabilities and capital
  • $134,567Total liabilities
  • $108,299Total deposits
  • $134,567Interest-bearing deposits
  • $91Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $13,374Trading liabilities
  • $0Other borrowed funds
  • $1,678Subordinated debt
  • $16,185All other liabilities
  • $16,185Total equity capital
  • $16,185Total bank equity capital
  • $0Perpetual preferred stock
  • $774Common stock
  • $4,476Surplus
  • $10,935Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,038Income earned, not collected on loans
  • $0Earning assets
  • $1,219Long-term assets (5+ years)
  • $156,091Average Assets, year-to-date
  • $9,162Average Assets, quarterly
  • $163,236Volatile liabilities
  • $164,473Insider loans
  • $119,293FHLB advances
  • $166,629Loans and leases held for sale
  • $986Unused loan commitments
  • $986Tier 1 (core) risk-based capital
  • $16,074Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $13,612Restructured Loans and leases
  • $2,825Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,756Total interest income
  • $1,953Total interest expense
  • $5,803Net interest income
  • $457Provision for loan and lease losses
  • $754Total noninterest income
  • $0Fiduciary activities
  • $471Service charges on deposit accounts
  • $0Trading account gains & fees
  • $283Additional noninterest income
  • $3,671Total noninterest expense
  • $2,145Salaries and employee benefits
  • $352Premises and equipment expense
  • $1,174Additional noninterest expense
  • $2,429Pre-tax net operating income
  • $0Securities gains (losses)
  • $775Applicable income taxes
  • $1,654Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,654Net income attributable to bank
  • $0Net charge-offs
  • $1,654Cash dividends
  • $456Sale, conversion, retirement of capital stock, net
  • $400Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.04%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.49%Noninterest income to earning assets
  • 2.39%Noninterest expense to earning assets
  • 1.01%Net operating income to assets
  • 1.01%Return on assets (ROA)
  • 1.49%Pretax return on assets
  • 10.78%Return on equity (ROE)
  • 8.17%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 100.22%Credit loss provision to net charge-offs
  • 6.33%Efficiency ratio
  • 55,986Assets per employee
  • 4.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 24.18%Loss allowance to loans
  • 0.69%Loss allowance to noncurrent loans
  • 30.09%Noncurrent assets plus other real estate owned to assets
  • 2.06%Noncurrent loans to loans
  • 2.28%Net loans and leases to deposits
  • 98.37%Net loans and leases to core deposits
  • 109.97%Equity capital to assets
  • 9.76%Core capital (leverage) ratio
  • 9.65%Tier 1 risk-based capital ratio
  • 13.47%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $163,236Average earning assets
  • $15,350Average equity
  • $153,847Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016176Peoples Bank And Trust Company Of Po805 Hospital Road, New Roads, LA 70760March 31, 1980Full Service Brick and Mortar
    1255896Livonia Branch3125 Louisiana Highway 78, Livonia, LA 70755December 15, 1982Full Service Brick and Mortar
    2478545Central Branch14455 Wax Road, Baton Rouge, LA 70818November 12, 2007Full Service Brick and Mortar

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