Teche Bank & Trust Co. in Saint Martinville, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Teche Bank & Trust Co. - Overview

  • General
  • FDIC Certificate #: 20041
    Status: Active
    Federal Reserve ID: 21630
    Bank Holding Company (Regulatory Top Holder): Louisiana Community Bancorp, Inc. (RSSDID: 2909554, Location: Deridder, LA)
    Date Established: September 27, 1969
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 12528
    FDIC's unique #: 13769
    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: Mortgage Lending Specialization
    Date of Deposit Insurance: September 27, 1969
    Last Structure Change Effective Date: May 08, 2006
    Last Structure Change Process Date: May 10, 2006
    Last Data Update: May 10, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 606 South Main Street, Saint Martinville, LA 70582
    County: St. Martin
    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): Lafayette, LA (#29180)
    CBSA Metro Statistical Area: Lafayette, LA (#29180)
  • Financial Summary
  • Total assets: $87.0 mil
    Equity capital: $8.8 mil
    Deposits held in domestic offices: $70.6 mil
    Return on assets (ROA): 1.22% ($1.1 mil)
    Quarterly return on assets: 1.54% ($1.3 mil)
    Return on Equity (ROE): 11.91% ($1.1 mil)
    Quarterly return on equity: 14.97% ($1.3 mil)
    Net income: $1.0 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.22% ($1,061.7 mil)
    Quarterly Pretax return on assets: 1.54% ($1,340.2 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
  • 28Total employees (full-time equivalent)
  • $87,026Total assets
  • $2,492Cash and due from depository institutions
  • $626Interest-bearing balances
  • $42,084Securities
  • $3,400Federal funds sold & reverse repurchase agreements
  • $36,582Net loans & leases
  • $299Loan loss allowance
  • $0Trading account assets
  • $1,546Bank premises and fixed assets
  • $28Other real estate owned
  • $0Goodwill and other intangibles
  • $87,026Life insurance assets
  • $894All other assets
  • $78,201Total liabilities and capital
  • $70,606Total liabilities
  • $56,536Total deposits
  • $70,606Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 2912.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $3,940Trading liabilities
  • $0Other borrowed funds
  • $743Subordinated debt
  • $8,825All other liabilities
  • $8,825Total equity capital
  • $8,825Total bank equity capital
  • $0Perpetual preferred stock
  • $281Common stock
  • $1,919Surplus
  • $6,625Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $57Income earned, not collected on loans
  • $0Earning assets
  • $350Long-term assets (5+ years)
  • $82,692Average Assets, year-to-date
  • $28,192Average Assets, quarterly
  • $84,300Volatile liabilities
  • $86,666Insider loans
  • $42,229FHLB advances
  • $86,946Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $7,249Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,528Restructured Loans and leases
  • $1,657Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $3,392Total interest income
  • $611Total interest expense
  • $2,781Net interest income
  • $28Provision for loan and lease losses
  • $540Total noninterest income
  • $0Fiduciary activities
  • $354Service charges on deposit accounts
  • $0Trading account gains & fees
  • $186Additional noninterest income
  • $2,264Total noninterest expense
  • $1,340Salaries and employee benefits
  • $288Premises and equipment expense
  • $636Additional noninterest expense
  • $1,029Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,029Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,029Net income attributable to bank
  • $0Net charge-offs
  • $1,029Cash dividends
  • $62Sale, conversion, retirement of capital stock, net
  • $992Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.25%Yield on earning assets
  • 0.76%Cost of funding earning assets
  • 3.48%Net interest margin
  • 0.68%Noninterest income to earning assets
  • 2.83%Noninterest expense to earning assets
  • 1.22%Net operating income to assets
  • 1.22%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 11.91%Return on equity (ROE)
  • 0.43%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 45.16%Credit loss provision to net charge-offs
  • 17.05%Efficiency ratio
  • 68,172Assets per employee
  • 3.11%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 96.40%Loss allowance to loans
  • 0.81%Loss allowance to noncurrent loans
  • 524.56%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.15%Net loans and leases to deposits
  • 51.81%Net loans and leases to core deposits
  • 63.31%Equity capital to assets
  • 10.14%Core capital (leverage) ratio
  • 8.34%Tier 1 risk-based capital ratio
  • 17.17%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $84,300Average earning assets
  • $8,641Average equity
  • $79,900Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013769Teche Bank & Trust Co.606 South Main Street, Saint Martinville, LA 70582September 27, 1969Full Service Brick and Mortar
    1250206North Main Branch2300 North Main Street, St. Martinville, LA 70582August 16, 1982Full Service Brick and Mortar
    2250207Coteau Branch4515 Coteau Road, New Iberia, LA 70560July 17, 1995Full Service Brick and Mortar
    3510591Jane Street Branch1407 Jane Street, New Iberia, LA 70563June 24, 2010Full Service Brick and Mortar
    4527646Breaux Bridge Loan Production Office445 East Mills Avenue, Suite A101, Breaux Bridge, LA 70517December 08, 2011Limited Service Loan Production

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