Tri-State Bank and Trust in Haughton, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

Tri-State Bank and Trust - Overview

  • General
  • FDIC Certificate #: 27611
    Status: Active
    Federal Reserve ID: 1406980
    Bank Holding Company (Regulatory Top Holder): Tri-State Bancshares, Inc. (RSSDID: 2960621, Location: Haughton, LA)
    Date Established: October 26, 1989
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 40445
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: October 26, 1989
    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: 2111 Highway 80 East, Haughton, LA 71037
    County: Bossier
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
    Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
    Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
    CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $33.6 mil
    Equity capital: $5.1 mil
    Deposits held in domestic offices: $28.4 mil
    Return on assets (ROA): 3.26% ($1.1 mil)
    Quarterly return on assets: 2.79% ($0.9 mil)
    Return on Equity (ROE): 21.35% ($1.1 mil)
    Quarterly return on equity: 18.32% ($0.9 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 3.26% ($1,095.1 mil)
    Quarterly Pretax return on assets: 2.79% ($937.2 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
  • 9Total employees (full-time equivalent)
  • $33,593Total assets
  • $2,474Cash and due from depository institutions
  • $0Interest-bearing balances
  • $27,237Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $2,826Net loans & leases
  • $188Loan loss allowance
  • $0Trading account assets
  • $555Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $33,593Life insurance assets
  • $501All other assets
  • $28,448Total liabilities and capital
  • $28,426Total liabilities
  • $20,078Total deposits
  • $28,426Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $22Subordinated debt
  • $5,145All other liabilities
  • $5,145Total equity capital
  • $5,145Total bank equity capital
  • $0Perpetual preferred stock
  • $625Common stock
  • $4,000Surplus
  • $520Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $455Long-term assets (5+ years)
  • $30,063Average Assets, year-to-date
  • $26,210Average Assets, quarterly
  • $33,403Volatile liabilities
  • $33,842Insider loans
  • $32,163FHLB advances
  • $33,567Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,145Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $349Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,946Total interest income
  • $183Total interest expense
  • $1,763Net interest income
  • $0Provision for loan and lease losses
  • $177Total noninterest income
  • $0Fiduciary activities
  • $141Service charges on deposit accounts
  • $0Trading account gains & fees
  • $36Additional noninterest income
  • $850Total noninterest expense
  • $406Salaries and employee benefits
  • $148Premises and equipment expense
  • $296Additional noninterest expense
  • $1,090Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,090Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,090Net income attributable to bank
  • $0Net charge-offs
  • $1,090Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $999Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.34%Yield on earning assets
  • 0.60%Cost of funding earning assets
  • 5.74%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 2.77%Noninterest expense to earning assets
  • 3.26%Net operating income to assets
  • 3.26%Return on assets (ROA)
  • 3.26%Pretax return on assets
  • 21.35%Return on equity (ROE)
  • 1.78%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 43,814Assets per employee
  • 3.73%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 91.65%Loss allowance to loans
  • 6.24%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.00%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 9.94%Net loans and leases to core deposits
  • 10.32%Equity capital to assets
  • 15.32%Core capital (leverage) ratio
  • 15.33%Tier 1 risk-based capital ratio
  • 16.00%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $33,403Average earning assets
  • $5,105Average equity
  • $30,713Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    040445Tri-State Bank And Trust2111 Highway 80 East, Haughton, LA 71037October 26, 1989Full Service Brick and Mortar
    8262347Youree Drive Branch4321 Youree Drive, Shreveport, LA 71105July 15, 1996Full Service Brick and Mortar

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