FDIC Certificate #: 35140 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Iberiabank (#28100) Federal Reserve ID: 2838029 Date Established: August 05, 1999 WWW:http://www.alliancebr.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Interstate: No) FDIC's unique #: 75132 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: Yes Date of Deposit Insurance: August 05, 1999 Last Structure Change Effective Date: March 01, 2004 Last Structure Change Process Date: April 13, 2004 Last Data Update: April 13, 2004 Data Source Date: April 05, 2012
Location
Address: 3700 Essen Lane, Baton Rouge, LA 70809 County: East Baton Rouge 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): Baton Rouge, LA (#760) Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132) Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940) CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
Financial Summary
Total assets: $76.1 mil
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2003)
Dollar figures in thousands
19Total employees (full-time equivalent)
$76,077Total assets
$1,905Cash and due from depository institutions
$14Interest-bearing balances
$17,940Securities
$0Federal funds sold & reverse repurchase agreements
$53,149Net loans & leases
$576Loan loss allowance
$0Trading account assets
$659Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$2,424All other assets
$76,077Total liabilities and capital
$66,825Total liabilities
$65,118Total deposits
$50,556Interest-bearing deposits
$65,118Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$1,707All other liabilities
$9,252Total equity capital
$9,252Total bank equity capital
$9,252Perpetual preferred stock
$0Common stock
$4,507Surplus
$4,488Undivided profits
Memoranda
$257Noncurrent loans and leases
$20,750Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$10Earning assets
$0Long-term assets (5+ years)
$269Average Assets, year-to-date
$71,103Average Assets, quarterly
$5,193Volatile liabilities
$72,991Insider loans
$76,055FHLB advances
$5,532Loans and leases held for sale
$7,075Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$607Total risk weighted assets
$20,750Total unused commitments
$0Restructured Loans and leases
$576Derivatives
Income and Expense (December 31, 2003)
Dollar figures in thousands
$3,116Total interest income
$639Total interest expense
$2,477Net interest income
$74Provision for loan and lease losses
$485Total noninterest income
$0Fiduciary activities
$161Service charges on deposit accounts
$0Trading account gains & fees
$324Additional noninterest income
$2,154Total noninterest expense
$1,314Salaries and employee benefits
$208Premises and equipment expense
$632Additional noninterest expense
$734Pre-tax net operating income
$0Securities gains (losses)
$234Applicable income taxes
$500Income before extraordinary items
$0Extraordinary gains - net
$500Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$35Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2003)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.61%Yield on earning assets
0.95%Cost of funding earning assets
3.67%Net interest margin
0.72%Noninterest income to earning assets
3.19%Noninterest expense to earning assets
0.69%Net operating income to assets
0.69%Return on assets (ROA)
1.01%Pretax return on assets
5.55%Return on equity (ROE)
5.55%Retained earnings to average equity (YTD only)
0.07%Net charge-offs to loans
211.43%Credit loss provision to net charge-offs
23.09%Efficiency ratio
72,721Assets per employee
4.00%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.07%Loss allowance to noncurrent loans
5760.00%Noncurrent assets plus other real estate owned to assets
0.01%Noncurrent loans to loans
0.02%Net loans and leases to deposits
81.62%Net loans and leases to core deposits
89.20%Equity capital to assets
12.16%Core capital (leverage) ratio
12.47%Tier 1 risk-based capital ratio
14.59%Total risk-based capital ratio
Memoranda
$16Average assets
$72,991Average earning assets
$9,002Average equity
$67,568Average loans
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