FDIC Certificate #: 34794 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Iberiabank (#28100) Federal Reserve ID: 2698438 Date Established: August 10, 1998 WWW:http://www.americanhorizonsbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 8 (Interstate: No) FDIC's unique #: 61641 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 10, 1998 Last Structure Change Effective Date: Febuary 01, 2005 Last Structure Change Process Date: Febuary 14, 2005 Last Data Update: Febuary 14, 2005 Data Source Date: April 05, 2012
Location
Address: 910 North Nineteenth Street, Monroe, LA 71201 County: Ouachita 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): Monroe, LA (#5200) Combined Statistical Area (CSA): Monroe-Bastrop, LA (#384) Core Based Statistical Area (CBSA): Monroe, LA (#33740) CBSA Metro Statistical Area: Monroe, LA (#33740)
Financial Summary
Total assets: $250.1 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
108Total employees (full-time equivalent)
$250,107Total assets
$7,963Cash and due from depository institutions
$540Interest-bearing balances
$11,874Securities
$14,228Federal funds sold & reverse repurchase agreements
$204,172Net loans & leases
$2,564Loan loss allowance
$0Trading account assets
$7,775Bank premises and fixed assets
$28Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$4,067All other assets
$250,107Total liabilities and capital
$222,290Total liabilities
$193,348Total deposits
$154,558Interest-bearing deposits
$193,348Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$27,738Other borrowed funds
$0Subordinated debt
$1,204All other liabilities
$27,817Total equity capital
$27,817Total bank equity capital
$27,817Perpetual preferred stock
$0Common stock
$5,518Surplus
$17,495Undivided profits
Memoranda
$4,804Noncurrent loans and leases
$25,698Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$2,418Earning assets
$0Long-term assets (5+ years)
$1,185Average Assets, year-to-date
$230,814Average Assets, quarterly
$20,946Volatile liabilities
$259,994Insider loans
$258,469FHLB advances
$64,496Loans and leases held for sale
$6,143Unused loan commitments
$27,738Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$3,421Total risk weighted assets
$25,698Total unused commitments
$0Restructured Loans and leases
$2,494Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$15,474Total interest income
$3,985Total interest expense
$11,489Net interest income
$1,379Provision for loan and lease losses
$3,949Total noninterest income
$0Fiduciary activities
$2,939Service charges on deposit accounts
$0Trading account gains & fees
$1,010Additional noninterest income
$9,412Total noninterest expense
$5,375Salaries and employee benefits
$1,717Premises and equipment expense
$2,320Additional noninterest expense
$4,647Pre-tax net operating income
$1Securities gains (losses)
$1,580Applicable income taxes
$3,068Income before extraordinary items
$0Extraordinary gains - net
$3,068Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$885Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
6.47%Yield on earning assets
1.67%Cost of funding earning assets
4.80%Net interest margin
1.65%Noninterest income to earning assets
3.94%Noninterest expense to earning assets
1.18%Net operating income to assets
1.18%Return on assets (ROA)
1.79%Pretax return on assets
11.65%Return on equity (ROE)
11.65%Retained earnings to average equity (YTD only)
0.42%Net charge-offs to loans
155.82%Credit loss provision to net charge-offs
6.81%Efficiency ratio
60,966Assets per employee
2.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.24%Loss allowance to noncurrent loans
106.04%Noncurrent assets plus other real estate owned to assets
0.98%Noncurrent loans to loans
1.17%Net loans and leases to deposits
105.60%Net loans and leases to core deposits
142.65%Equity capital to assets
11.12%Core capital (leverage) ratio
10.91%Tier 1 risk-based capital ratio
13.95%Total risk-based capital ratio
Memoranda
$15Average assets
$259,994Average earning assets
$26,327Average equity
$239,185Average loans
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