St. Landry Bank and Trust Company in Opelousas, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


St. Landry Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 8534
    Status: Active
    Federal Reserve ID: 885430
    Bank Holding Company (Regulatory Top Holder): Saint Landry Bancshares, Inc. (RSSDID: 1417203, Location: Opelousas, LA)
    Date Established: January 01, 1931
    WWW: http://www.stlandrybank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Domestic: 10, Interstate: No)
    FDIC's unique #: 5442
    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: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 132 East Landry Street, Opelousas, LA 70570
    County: St. Landry
    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
    Metropolitan Statistical Area (MSA): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Opelousas-Eunice, LA (#36660)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $253.0 mil
    Equity capital: $30.8 mil
    Deposits held in domestic offices: $221.5 mil
    Return on assets (ROA): 0.67% ($1.7 mil)
    Quarterly return on assets: 0.71% ($1.8 mil)
    Return on Equity (ROE): 5.30% ($1.6 mil)
    Quarterly return on equity: 5.66% ($1.8 mil)
    Net income: $1.7 mil
    Quarterly Net income: $0.4 mil
    Pretax return on assets: 0.67% ($1,695.2 mil)
    Quarterly Pretax return on assets: 0.71% ($1,796.4 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
  • 68Total employees (full-time equivalent)
  • $253,021Total assets
  • $40,631Cash and due from depository institutions
  • $34,038Interest-bearing balances
  • $128,843Securities
  • $500Federal funds sold & reverse repurchase agreements
  • $76,919Net loans & leases
  • $1,149Loan loss allowance
  • $0Trading account assets
  • $2,902Bank premises and fixed assets
  • $25Other real estate owned
  • $0Goodwill and other intangibles
  • $253,021Life insurance assets
  • $3,201All other assets
  • $222,242Total liabilities and capital
  • $221,463Total liabilities
  • $108,744Total deposits
  • $221,463Interest-bearing deposits
  • $84Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $127Trading liabilities
  • $0Other borrowed funds
  • $652Subordinated debt
  • $30,779All other liabilities
  • $30,779Total equity capital
  • $30,779Total bank equity capital
  • $0Perpetual preferred stock
  • $450Common stock
  • $11,300Surplus
  • $19,029Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $551Income earned, not collected on loans
  • $0Earning assets
  • $705Long-term assets (5+ years)
  • $240,300Average Assets, year-to-date
  • $5,954Average Assets, quarterly
  • $248,240Volatile liabilities
  • $250,690Insider loans
  • $104,368FHLB advances
  • $250,373Loans and leases held for sale
  • $1,207Unused loan commitments
  • $1,207Tier 1 (core) risk-based capital
  • $30,055Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $11,259Restructured Loans and leases
  • $38Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,861Total interest income
  • $651Total interest expense
  • $5,210Net interest income
  • $10Provision for loan and lease losses
  • $1,369Total noninterest income
  • $0Fiduciary activities
  • $970Service charges on deposit accounts
  • $0Trading account gains & fees
  • $399Additional noninterest income
  • $4,914Total noninterest expense
  • $2,789Salaries and employee benefits
  • $788Premises and equipment expense
  • $1,337Additional noninterest expense
  • $1,655Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,655Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,655Net income attributable to bank
  • $0Net charge-offs
  • $1,655Cash dividends
  • $39Sale, conversion, retirement of capital stock, net
  • $1,575Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 2.48%Yield on earning assets
  • 0.28%Cost of funding earning assets
  • 2.20%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.08%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.67%Return on assets (ROA)
  • 0.67%Pretax return on assets
  • 5.30%Return on equity (ROE)
  • 0.26%Retained earnings to average equity (YTD only)
  • 0.05%Net charge-offs to loans
  • 25.64%Credit loss provision to net charge-offs
  • 42.69%Efficiency ratio
  • 74,692Assets per employee
  • 3.72%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 95.17%Loss allowance to loans
  • 1.47%Loss allowance to noncurrent loans
  • 208.53%Noncurrent assets plus other real estate owned to assets
  • 0.23%Noncurrent loans to loans
  • 0.71%Net loans and leases to deposits
  • 34.73%Net loans and leases to core deposits
  • 36.65%Equity capital to assets
  • 12.16%Core capital (leverage) ratio
  • 12.00%Tier 1 risk-based capital ratio
  • 28.80%Total risk-based capital ratio
  • Memoranda
  • $30Average assets
  • $248,240Average earning assets
  • $31,215Average equity
  • $236,377Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $10,850Managed Assets
  • 1Number of Accounts
  • $6,581Personal trust and agency accounts
  • $271Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $6,310Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 9Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,269Other retirement accounts
  • $4,269Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 10 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05442St. Landry Bank And Trust Company132 East Landry Street, Opelousas, LA 70570January 01, 1931Full Service Brick and Mortar
    1218676Eunice Branch101 North Second Street, Eunice, LA 70535December 15, 1931Full Service Brick and Mortar
    3218678Motor Branch West1411 West Landry Street, Opelousas, LA 70570May 15, 1964Limited Service Facility
    4218679Indian Hills Motor Branch1137 North Main Street, Opelousas, LA 70570January 16, 1967Limited Service Facility
    5218680Motor Branch South1407 South Union Street, Opelousas, LA 70570December 04, 1970Full Service Brick and Mortar
    6218681Port Barre Branch235 Saizan Street, Port Barre, LA 70577August 04, 1982Full Service Brick and Mortar
    8287448Scott Branch5636 Cameron, Scott, LA 70583June 30, 1988Full Service Brick and Mortar
    9287449Carencro Branch4302 North University Avenue, Carencro, LA 70520June 30, 1988Full Service Brick and Mortar
    11287450Lafayette Branch3710 Ambassador Caffery Pkwy., Lafayette, LA 70503June 30, 1988Full Service Brick and Mortar
    14366265Wal-Mart Branch1629 East Creswell Lane, Suite 1, Opelousas, LA 70570April 17, 2002Full Service Retail

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