Tri-Parish Bank in Eunice, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Tri-Parish Bank - Overview

  • General
  • FDIC Certificate #: 16119
    Status: Active
    Federal Reserve ID: 483032
    Bank Holding Company (Regulatory Top Holder): Tri-Parish Bancshares, Ltd. (RSSDID: 1081819, Location: Eunice, LA)
    Date Established: January 10, 1944
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10171
    FDIC's unique #: 10335
    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 10, 1944
    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: Laurel Avenue And Third Street, Eunice, LA 70535
    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: $179.1 mil
    Equity capital: $22.0 mil
    Deposits held in domestic offices: $149.4 mil
    Return on assets (ROA): 1.64% ($2.9 mil)
    Quarterly return on assets: 1.06% ($1.9 mil)
    Return on Equity (ROE): 13.62% ($3.0 mil)
    Quarterly return on equity: 8.54% ($1.9 mil)
    Net income: $2.9 mil
    Quarterly Net income: $0.5 mil
    Pretax return on assets: 1.64% ($2,936.6 mil)
    Quarterly Pretax return on assets: 1.06% ($1,898.1 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, 2011)

  • Dollar figures in thousands
  • 42Total employees (full-time equivalent)
  • $179,063Total assets
  • $7,867Cash and due from depository institutions
  • $4,325Interest-bearing balances
  • $87,997Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $72,501Net loans & leases
  • $796Loan loss allowance
  • $0Trading account assets
  • $3,671Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $179,063Life insurance assets
  • $7,027All other assets
  • $157,083Total liabilities and capital
  • $149,412Total liabilities
  • $140,510Total deposits
  • $149,412Interest-bearing deposits
  • $89Deposits held in domestic offices
  • 4370.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $1,715Trading liabilities
  • $0Other borrowed funds
  • $1,586Subordinated debt
  • $21,980All other liabilities
  • $21,980Total equity capital
  • $21,980Total bank equity capital
  • $0Perpetual preferred stock
  • $2,000Common stock
  • $8,305Surplus
  • $11,675Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $2,031Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,934Income earned, not collected on loans
  • $0Earning assets
  • $876Long-term assets (5+ years)
  • $164,823Average Assets, year-to-date
  • $67,012Average Assets, quarterly
  • $175,715Volatile liabilities
  • $177,737Insider loans
  • $99,507FHLB advances
  • $175,034Loans and leases held for sale
  • $4,984Unused loan commitments
  • $3,534Tier 1 (core) risk-based capital
  • $19,139Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $1,450Total unused commitments
  • $23,288Restructured Loans and leases
  • $1,088Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $6,808Total interest income
  • $931Total interest expense
  • $5,877Net interest income
  • $220Provision for loan and lease losses
  • $1,579Total noninterest income
  • $0Fiduciary activities
  • $503Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,076Additional noninterest income
  • $5,153Total noninterest expense
  • $2,896Salaries and employee benefits
  • $962Premises and equipment expense
  • $1,295Additional noninterest expense
  • $2,083Pre-tax net operating income
  • $802Securities gains (losses)
  • $0Applicable income taxes
  • $2,885Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,885Net income attributable to bank
  • $0Net charge-offs
  • $2,885Cash dividends
  • $69Sale, conversion, retirement of capital stock, net
  • $2,464Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.19%Yield on earning assets
  • 0.57%Cost of funding earning assets
  • 3.61%Net interest margin
  • 0.97%Noninterest income to earning assets
  • 3.17%Noninterest expense to earning assets
  • 1.19%Net operating income to assets
  • 1.64%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 13.62%Return on equity (ROE)
  • 1.99%Retained earnings to average equity (YTD only)
  • 0.11%Net charge-offs to loans
  • 318.84%Credit loss provision to net charge-offs
  • 33.38%Efficiency ratio
  • 69,112Assets per employee
  • 4.26%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 85.41%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 41.16%Noncurrent assets plus other real estate owned to assets
  • 1.08%Noncurrent loans to loans
  • 2.64%Net loans and leases to deposits
  • 48.52%Net loans and leases to core deposits
  • 49.89%Equity capital to assets
  • 12.28%Core capital (leverage) ratio
  • 10.93%Tier 1 risk-based capital ratio
  • 19.23%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $175,715Average earning assets
  • $21,179Average equity
  • $162,600Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    010335Tri-Parish BankLaurel Avenue And Third Street, Eunice, LA 70535January 10, 1944Full Service Brick and Mortar
    3237341West Laurel Branch2301 West Laurel Avenue, Eunice, LA 70535October 08, 1975Limited Service Facility
    6455799South College Branch914 South College Road, Lafayette, LA 70503October 13, 2006Full Service Brick and Mortar

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