Bank of New Roads in New Roads, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 10, 1995

Bank of New Roads in New Roads, Louisiana (LA)
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Bank of New Roads - Overview

General
FDIC Certificate #: 13172
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Regions Bank of Louisiana (#28098)
Federal Reserve ID: 80132
Date Established: October 02, 1899
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 7 (Interstate: No)
FDIC's unique #: 8334
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: January 01, 1934
Last Structure Change Effective Date: March 10, 1995
Last Structure Change Process Date: April 06, 1995
Last Data Update: April 06, 1995
Data Source Date: April 05, 2012
Location
Address: 107 East Main, New Roads, LA 70760
County: Pointe Coupee
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
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: $139.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$71Total assets
$139,782Cash and due from depository institutions
$4,565Interest-bearing balances
$0Securities
$52,286Federal funds sold & reverse repurchase agreements
$9,655Net loans & leases
$65,494Loan loss allowance
$831Trading account assets
$0Bank premises and fixed assets
$2,461Other real estate owned
$56Goodwill and other intangibles
$5,265Life insurance assets
$0All other assets
$0Total liabilities and capital
$139,782Total liabilities
$124,379Total deposits
$121,982Interest-bearing deposits
$111,842Deposits held in domestic offices
121982.00%% insured (estimated)
$80Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$2,397Total equity capital
$2,397Total bank equity capital
$15,403Perpetual preferred stock
$0Common stock
$1,688Surplus
$3,813Undivided profits
Memoranda
$9,902Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,546Income earned, not collected on loans
$588Earning assets
$127,435Long-term assets (5+ years)
$13,943Average Assets, year-to-date
$139,036Average Assets, quarterly
$138,121Volatile liabilities
$13,687Insider loans
$3,408FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$9,796Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$16,016Total risk weighted assets
$72,233Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$9,863Total interest expense
$3,429Net interest income
$6,434Provision for loan and lease losses
$185Total noninterest income
$1,046Fiduciary activities
$0Service charges on deposit accounts
$746Trading account gains & fees
$0Additional noninterest income
$300Total noninterest expense
$5,048Salaries and employee benefits
$2,202Premises and equipment expense
$853Additional noninterest expense
$1,993Pre-tax net operating income
$2,247Securities gains (losses)
$87Applicable income taxes
$767Income before extraordinary items
$1,567Extraordinary gains - net
$0Net income attributable to bank
$1,567Net charge-offs
$188Cash dividends
$895Sale, conversion, retirement of capital stock, net
$36Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.74%Cost of funding earning assets
2.69%Net interest margin
5.05%Noninterest income to earning assets
0.82%Noninterest expense to earning assets
3.96%Net operating income to assets
1.09%Return on assets (ROA)
1.13%Pretax return on assets
1.68%Return on equity (ROE)
10.09%Retained earnings to average equity (YTD only)
4.33%Net charge-offs to loans
0.28%Credit loss provision to net charge-offs
98.40%Efficiency ratio
67,487Assets per employee
1.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
57.12%Loss allowance to loans
1.25%Loss allowance to noncurrent loans
53.75%Noncurrent assets plus other real estate owned to assets
1.15%Noncurrent loans to loans
2.33%Net loans and leases to deposits
53.69%Net loans and leases to core deposits
60.48%Equity capital to assets
11.02%Core capital (leverage) ratio
11.71%Tier 1 risk-based capital ratio
22.17%Total risk-based capital ratio
Memoranda
$23Average assets
$139,036Average earning assets
$15,529Average equity
$127,398Average loans

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