The Evangeline Bank and Trust Company in Ville Platte, Louisiana (LA)
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| The Evangeline Bank and Trust Company | |
|---|---|
| General | FDIC Certificate #: 12611 Status: Active Federal Reserve ID: 372538 Bank Holding Company (Regulatory Top Holder): Evangeline Bancshares, Inc. (RSSDID: 1133165, Location: Ville Platte, LA) Date Established: January 01, 1933 WWW: http://www.therealbank.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 9 (Domestic: 9, Interstate: No) OTS Docket #: 10962 FDIC's unique #: 8008 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: All Other Specialization < 1 Billion Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: November 06, 2007 Last Structure Change Process Date: November 06, 2007 Last Data Update: November 06, 2007 Data Source Date: April 05, 2012 |
| Location | Address: 497 West Main Street, Ville Platte, LA 70586 County: Evangeline 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 |
| History of Changes | Corrections Change in Location Name Change |
| Financial Summary | Total assets: $579.6 mil Equity capital: $92.7 mil Deposits held in domestic offices: $479.3 mil Return on assets (ROA): 0.82% ($4.8 mil) Quarterly return on assets: 1.63% ($9.5 mil) Return on Equity (ROE): 5.12% ($4.8 mil) Quarterly return on equity: 10.06% ($9.4 mil) Net income: $4.7 mil Quarterly Net income: $2.3 mil Pretax return on assets: 1.18% ($6,838.8 mil) Quarterly Pretax return on assets: 1.90% ($11,011.6 mil) |
| Assets and Liabilities (December 31, 2011) (Dollar figures in thousands) | |
| Total employees (full-time equivalent) | 146 |
| Total assets | $579,558 |
| Cash and due from depository institutions | $90,317 |
| Interest-bearing balances | $79,171 |
| Securities | $150,809 |
| Federal funds sold & reverse repurchase agreements | $4,325 |
| Net loans & leases | $311,576 |
| Loan loss allowance | $3,418 |
| Trading account assets | $0 |
| Bank premises and fixed assets | $9,090 |
| Other real estate owned | $6,730 |
| Goodwill and other intangibles | $0 |
| All other assets | $6,711 |
| Life insurance assets | $579,558 |
| Total liabilities and capital | $486,908 |
| Total liabilities | $479,304 |
| Total deposits | $400,562 |
| Interest-bearing deposits | $479,304 |
| Deposits held in domestic offices | $88 |
| % insured (estimated) | 0.00% |
| Federal funds purchased & repurchase agreements | $0 |
| Trading liabilities | $1,697 |
| Other borrowed funds | $0 |
| Subordinated debt | $5,907 |
| All other liabilities | $92,650 |
| Total equity capital | $92,650 |
| Total bank equity capital | $92,650 |
| Perpetual preferred stock | $0 |
| Common stock | $300 |
| Surplus | $9,700 |
| Undivided profits | $82,650 |
| 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 | $13,971 |
| Earning assets | $0 |
| Long-term assets (5+ years) | $2,831 |
| Average Assets, year-to-date | $545,881 |
| Average Assets, quarterly | $49,031 |
| Volatile liabilities | $577,460 |
| Insider loans | $573,272 |
| FHLB advances | $291,399 |
| Loans and leases held for sale | $578,125 |
| Unused loan commitments | $66 |
| Tier 1 (core) risk-based capital | $66 |
| Tier 2 risk-based capital | $90,894 |
| Total risk weighted assets | $0 |
| Total unused commitments | $0 |
| Restructured Loans and leases | $27,939 |
| Derivatives | $1,433 |
| Income and Expense (December 31, 2011) (Dollar figures in thousands) | |
| Total interest income | $25,015 |
| Total interest expense | $5,036 |
| Net interest income | $19,979 |
| Provision for loan and lease losses | $1,300 |
| Total noninterest income | $1,705 |
| Fiduciary activities | $1 |
| Service charges on deposit accounts | $1,213 |
| Trading account gains & fees | $0 |
| Additional noninterest income | $491 |
| Total noninterest expense | $13,579 |
| Salaries and employee benefits | $7,317 |
| Premises and equipment expense | $1,554 |
| Additional noninterest expense | $4,708 |
| Pre-tax net operating income | $6,805 |
| Securities gains (losses) | $2 |
| Applicable income taxes | $2,098 |
| Income before extraordinary items | $4,709 |
| Extraordinary gains - net | $0 |
| Net income attributable to bank | $4,709 |
| Net charge-offs | $0 |
| Cash dividends | $4,709 |
| Sale, conversion, retirement of capital stock, net | $1,686 |
| Net operating income | $1,299 |
| Performance and Condition Ratios (December 31, 2011) (Dollar figures in thousands) | |
| Performance Ratios (%, annualized) | |
| Yield on earning assets | 4.61% |
| Cost of funding earning assets | 0.93% |
| Net interest margin | 3.68% |
| Noninterest income to earning assets | 0.31% |
| Noninterest expense to earning assets | 2.50% |
| Net operating income to assets | 0.82% |
| Return on assets (ROA) | 0.82% |
| Pretax return on assets | 1.18% |
| Return on equity (ROE) | 5.12% |
| Retained earnings to average equity (YTD only) | 3.71% |
| Net charge-offs to loans | 0.51% |
| Credit loss provision to net charge-offs | 77.11% |
| Efficiency ratio | 4.81% |
| Assets per employee | $62,622 |
| Cash dividends to net income (YTD only) | 3.97% |
| Condition Ratios (%) | |
| Loss allowance to loans | 27.59% |
| Loss allowance to noncurrent loans | 1.09% |
| Noncurrent assets plus other real estate owned to assets | 24.46% |
| Noncurrent loans to loans | 3.57% |
| Net loans and leases to deposits | 4.44% |
| Net loans and leases to core deposits | 65.01% |
| Equity capital to assets | 72.33% |
| Core capital (leverage) ratio | 15.99% |
| Tier 1 risk-based capital ratio | 15.72% |
| Total risk-based capital ratio | 31.19% |
| Memoranda | |
| Average assets | $32 |
| Average earning assets | $577,460 |
| Average equity | $91,933 |
| Average loans | $543,050 |
| Total Fiduciary and Related Assets (December 31, 2011) (Dollar figures in thousands) | |
| Total fiduciary and related assets | $1 |
| Number of Fiduciary Accounts and Related Asset Accounts | 1 |
| Fiduciary powers granted | Yes |
| Fiduciary or related activity | Yes |
| Managed Assets | $579 |
| Number of Accounts | 1 |
| Personal trust and agency accounts | $579 |
| Employee benefit-defined contribution accounts | $579 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Investment management agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| Non-managed Assets | $0 |
| Number of Accounts | 8 |
| Personal trust and agency accounts | $0 |
| Employee benefit-defined contribution accounts | $0 |
| Employee benefit-defined benefit accounts | $0 |
| Other retirement accounts | $0 |
| Corporate trust and agency accounts | $0 |
| Other fiduciary accounts | $0 |
| Fiduciary accounts held in foreign offices | $0 |
| 9 Louisiana Branches as of April 05, 2012 | ||||||
| No | ID | Name | Address | Established | Service Type | Map |
|---|---|---|---|---|---|---|
| 0 | 8008 | The Evangeline Bank And Trust Compan | 497 West Main Street, Ville Platte, LA 70586 | January 01, 1933 | Full Service Brick and Mortar |  |
| 1 | 227534 | Drive-In Branch | 420 W. Main Street, Ville Platte, LA 70586 | Febuary 01, 1968 | Limited Service Facility |  |
| 2 | 227535 | U.S. 167 East Branch | 2020 E. Main Street, Ville Platte, LA 70586 | Febuary 11, 1980 | Limited Service Facility | |
| 3 | 12214 | Crowley Branch | 5th Street And Avenue G, Crowley, LA 70526 | September 24, 1960 | Full Service Brick and Mortar | |
| 4 | 36061 | Alexandria Branch | 3700 Jackson Street, Alexandria, LA 71315 | November 24, 1986 | Full Service Brick and Mortar | |
| 6 | 227537 | Parliament Drive-In Branch | 3907 Parliament Drive, Alexandria, LA 71303 | August 11, 1994 | Limited Service Facility | |
| 7 | 227538 | Masonic Drive Branch | 3355 Masonic Drive, Alexandria, LA 71301 | January 06, 2000 | Full Service Brick and Mortar | |
| 9 | 453920 | Kings Country Branch | 3700 Monroe Highway, Pineville, LA 71360 | July 31, 2006 | Full Service Brick and Mortar | |
| 10 | 473475 | Pineville Branch | 3403 Highway 28 East, Pineville, LA 71360 | March 17, 2008 | Full Service Brick and Mortar | |
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