American Bank & Trust Company of Houma in Houma, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 13, 1996

American Bank & Trust Company of Houma in Houma, Louisiana (LA)
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American Bank & Trust Company of Houma - Overview

General
FDIC Certificate #: 19281
Status: Inactive
Closing history: Corrections
Acquiring institution: Regions Bank of Louisiana (#28098)
Federal Reserve ID: 427139
Date Established: November 14, 1964
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 13094
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: November 14, 1964
Last Structure Change Effective Date: September 13, 1996
Last Structure Change Process Date: November 05, 1996
Last Data Update: November 05, 1996
Data Source Date: April 05, 2012
Location
Address: 801 Barrow Street, Houma, LA 70360
County: Terrebonne
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): Houma, LA (#3350)
Core Based Statistical Area (CBSA): Houma-Bayou Cane-Thibodaux, LA (#26380)
CBSA Metro Statistical Area: Houma-Bayou Cane-Thibodaux, LA (#26380)
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $88.7 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

Dollar figures in thousands
0Total employees (full-time equivalent)
$75Total assets
$88,663Cash and due from depository institutions
$6,569Interest-bearing balances
$0Securities
$26,752Federal funds sold & reverse repurchase agreements
$1,300Net loans & leases
$50,471Loan loss allowance
$993Trading account assets
$0Bank premises and fixed assets
$2,034Other real estate owned
$303Goodwill and other intangibles
$1,234Life insurance assets
$0All other assets
$0Total liabilities and capital
$88,663Total liabilities
$80,236Total deposits
$78,763Interest-bearing deposits
$60,632Deposits held in domestic offices
78763.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$200Trading liabilities
$0Other borrowed funds
$651Subordinated debt
$0All other liabilities
$622Total equity capital
$622Total bank equity capital
$8,427Perpetual preferred stock
$0Common stock
$862Surplus
$4,138Undivided profits
Memoranda
$3,427Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$190Income earned, not collected on loans
$279Earning assets
$78,523Long-term assets (5+ years)
$10,858Average Assets, year-to-date
$85,104Average Assets, quarterly
$87,482Volatile liabilities
$9,609Insider loans
$1,261FHLB advances
$0Loans and leases held for sale
$867Unused loan commitments
$7,977Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,219Total risk weighted assets
$47,486Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1995)

Dollar figures in thousands
$0Total interest income
$6,177Total interest expense
$2,475Net interest income
$3,702Provision for loan and lease losses
$0Total noninterest income
$1,327Fiduciary activities
$0Service charges on deposit accounts
$944Trading account gains & fees
$0Additional noninterest income
$383Total noninterest expense
$3,509Salaries and employee benefits
$1,717Premises and equipment expense
$661Additional noninterest expense
$1,131Pre-tax net operating income
$1,520Securities gains (losses)
-$1Applicable income taxes
$470Income before extraordinary items
$1,049Extraordinary gains - net
$0Net income attributable to bank
$1,049Net charge-offs
$140Cash dividends
$298Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1995)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.10%Cost of funding earning assets
3.25%Net interest margin
4.85%Noninterest income to earning assets
1.74%Noninterest expense to earning assets
4.60%Net operating income to assets
1.23%Return on assets (ROA)
1.23%Pretax return on assets
1.78%Return on equity (ROE)
13.28%Retained earnings to average equity (YTD only)
9.51%Net charge-offs to loans
0.27%Credit loss provision to net charge-offs
0.00%Efficiency ratio
69,775Assets per employee
1.18%Cash dividends to net income (YTD only)
Condition Ratios (%)
28.41%Loss allowance to loans
1.93%Loss allowance to noncurrent loans
522.63%Noncurrent assets plus other real estate owned to assets
0.56%Noncurrent loans to loans
0.37%Net loans and leases to deposits
64.08%Net loans and leases to core deposits
72.77%Equity capital to assets
9.50%Core capital (leverage) ratio
9.50%Tier 1 risk-based capital ratio
17.31%Total risk-based capital ratio
Memoranda
$19Average assets
$85,104Average earning assets
$7,899Average equity
$76,269Average loans

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