Teche Bank & Trust Co. in Saint Martinville, Louisiana (LA)



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Teche Bank & Trust Co. routing number info

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Teche Bank & Trust Co.
GeneralFDIC 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
WWW: http://www.thetechebank.com
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
LocationAddress: 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 SummaryTotal 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)
Total employees (full-time equivalent)28
Total assets$87,026
Cash and due from depository institutions$2,492
Interest-bearing balances$626
Securities$42,084
Federal funds sold & reverse repurchase agreements$3,400
Net loans & leases$36,582
Loan loss allowance $299
Trading account assets$0
Bank premises and fixed assets$1,546
Other real estate owned$28
Goodwill and other intangibles$0
All other assets$894
Life insurance assets$87,026
Total liabilities and capital$78,201
Total liabilities$70,606
Total deposits$56,536
Interest-bearing deposits$70,606
Deposits held in domestic offices$82
% insured (estimated)2912.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$3,940
Other borrowed funds $0
Subordinated debt $743
All other liabilities $8,825
Total equity capital$8,825
Total bank equity capital$8,825
Perpetual preferred stock$0
Common stock$281
Surplus$1,919
Undivided profits $6,625
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $57
Earning assets $0
Long-term assets (5+ years) $350
Average Assets, year-to-date $82,692
Average Assets, quarterly $28,192
Volatile liabilities $84,300
Insider loans $86,666
FHLB advances $42,229
Loans and leases held for sale $86,946
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $7,249
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $2,528
Derivatives$1,657
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $3,392
Total interest expense $611
Net interest income $2,781
Provision for loan and lease losses $28
Total noninterest income $540
Fiduciary activities $0
Service charges on deposit accounts $354
Trading account gains & fees $0
Additional noninterest income $186
Total noninterest expense $2,264
Salaries and employee benefits $1,340
Premises and equipment expense $288
Additional noninterest expense $636
Pre-tax net operating income $1,029
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $1,029
Extraordinary gains - net $0
Net income attributable to bank $1,029
Net charge-offs $0
Cash dividends $1,029
Sale, conversion, retirement of capital stock, net $62
Net operating income $992
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.25%
Cost of funding earning assets 0.76%
Net interest margin 3.48%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 2.83%
Net operating income to assets 1.22%
Return on assets (ROA) 1.22%
Pretax return on assets 1.22%
Return on equity (ROE) 11.91%
Retained earnings to average equity (YTD only) 0.43%
Net charge-offs to loans 0.19%
Credit loss provision to net charge-offs 45.16%
Efficiency ratio17.05%
Assets per employee$68,172
Cash dividends to net income (YTD only)3.11%
Condition Ratios (%)
Loss allowance to loans 96.40%
Loss allowance to noncurrent loans 0.81%
Noncurrent assets plus other real estate owned to assets 524.56%
Noncurrent loans to loans 0.10%
Net loans and leases to deposits0.15%
Net loans and leases to core deposits 51.81%
Equity capital to assets 63.31%
Core capital (leverage) ratio 10.14%
Tier 1 risk-based capital ratio 8.34%
Total risk-based capital ratio 17.17%
Memoranda
Average assets$18
Average earning assets$84,300
Average equity $8,641
Average loans $79,900
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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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