Peoples Bank of Louisiana in Amite, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 2008

  • Peoples Bank of Louisiana in Amite, Louisiana (LA)
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Peoples Bank of Louisiana - Overview

  • General
  • FDIC Certificate #: 25720
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First Bank and Trust (#33405)
    Federal Reserve ID: 56230
    Date Established: November 01, 1984
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    OTS Docket #: 16073
    FDIC's unique #: 17597
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: November 01, 1984
    Last Structure Change Effective Date: December 31, 2008
    Last Structure Change Process Date: January 13, 2009
    Last Data Update: January 13, 2009
    Data Source Date: April 05, 2012
  • Location
  • Address: 201 West Oak Street, Amite, LA 70422
    County: Tangipahoa
    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
    Core Based Statistical Area (CBSA): Hammond, LA (#25220)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $103.1 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, 2007)

  • Dollar figures in thousands
  • 45Total employees (full-time equivalent)
  • $107,816Total assets
  • $3,152Cash and due from depository institutions
  • $56Interest-bearing balances
  • $18,605Securities
  • $3,900Federal funds sold & reverse repurchase agreements
  • $77,806Net loans & leases
  • $998Loan loss allowance
  • $0Trading account assets
  • $2,989Bank premises and fixed assets
  • $181Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,183All other assets
  • $107,816Total liabilities and capital
  • $99,016Total liabilities
  • $98,219Total deposits
  • $78,663Interest-bearing deposits
  • $98,219Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $797All other liabilities
  • $8,800Total equity capital
  • $8,800Total bank equity capital
  • $8,800Perpetual preferred stock
  • $0Common stock
  • $1,250Surplus
  • $4,066Undivided profits
  • Memoranda
  • $3,484Noncurrent loans and leases
  • $3,799Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $68Earning assets
  • $0Long-term assets (5+ years)
  • $699Average Assets, year-to-date
  • $100,367Average Assets, quarterly
  • $10,879Volatile liabilities
  • $106,712Insider loans
  • $108,146FHLB advances
  • $21,694Loans and leases held for sale
  • $2,025Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $3,799Total unused commitments
  • $0Restructured Loans and leases
  • $963Derivatives

Income and Expense (December 31, 2007)

  • Dollar figures in thousands
  • $7,937Total interest income
  • $3,011Total interest expense
  • $4,926Net interest income
  • -$86Provision for loan and lease losses
  • $912Total noninterest income
  • $0Fiduciary activities
  • $677Service charges on deposit accounts
  • $0Trading account gains & fees
  • $235Additional noninterest income
  • $3,835Total noninterest expense
  • $1,988Salaries and employee benefits
  • $511Premises and equipment expense
  • $1,336Additional noninterest expense
  • $2,089Pre-tax net operating income
  • $25Securities gains (losses)
  • $0Applicable income taxes
  • $2,114Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,114Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $37Sale, conversion, retirement of capital stock, net
  • $1,209Net operating income

Performance and Condition Ratios (December 31, 2007)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.08%Yield on earning assets
  • 3.06%Cost of funding earning assets
  • 5.01%Net interest margin
  • 0.93%Noninterest income to earning assets
  • 3.90%Noninterest expense to earning assets
  • 1.96%Net operating income to assets
  • 1.98%Return on assets (ROA)
  • 1.98%Pretax return on assets
  • 26.27%Return on equity (ROE)
  • 11.25%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • -232.43%Credit loss provision to net charge-offs
  • 54.14%Efficiency ratio
  • 65,690Assets per employee
  • 2.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.19%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 1467.65%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.09%Net loans and leases to deposits
  • 79.22%Net loans and leases to core deposits
  • 101.67%Equity capital to assets
  • 8.16%Core capital (leverage) ratio
  • 8.15%Tier 1 risk-based capital ratio
  • 11.36%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $106,712Average earning assets
  • $8,046Average equity
  • $98,290Average loans

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