City Bank & Trust Company, New Iberia, Louisiana in New Iberia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of Febuary 17, 1995

City Bank & Trust Company, New Iberia, Louisiana in New Iberia, Louisiana (LA)
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City Bank & Trust Company, New Iberia, Louisiana - Overview

General
FDIC Certificate #: 17875
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: The First National Bank of Lafayette (#4291)
Federal Reserve ID: 945530
Date Established: July 09, 1958
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
FDIC's unique #: 11814
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: July 09, 1958
Last Structure Change Effective Date: Febuary 17, 1995
Last Structure Change Process Date: Febuary 23, 1995
Last Data Update: Febuary 23, 1995
Data Source Date: April 05, 2012
Location
Address: 712 Center Street, New Iberia, LA 70560
County: Iberia
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): Lafayette-Acadiana, LA (#318)
Core Based Statistical Area (CBSA): New Iberia, LA (#35340)
CBSA Micro Statistical Area: Yes
Financial Summary
Total assets: $79.0 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)
$55Total assets
$79,030Cash and due from depository institutions
$4,772Interest-bearing balances
$99Securities
$25,916Federal funds sold & reverse repurchase agreements
$2,250Net loans & leases
$43,452Loan loss allowance
$581Trading account assets
$0Bank premises and fixed assets
$1,828Other real estate owned
$48Goodwill and other intangibles
$764Life insurance assets
$0All other assets
$0Total liabilities and capital
$79,030Total liabilities
$71,358Total deposits
$66,633Interest-bearing deposits
$50,562Deposits held in domestic offices
66633.00%% insured (estimated)
$75Federal funds purchased & repurchase agreements
$4,036Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$689Total equity capital
$689Total bank equity capital
$7,672Perpetual preferred stock
$0Common stock
$500Surplus
$2,500Undivided profits
Memoranda
$4,672Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$288Income earned, not collected on loans
$175Earning assets
$71,717Long-term assets (5+ years)
$5,265Average Assets, year-to-date
$83,933Average Assets, quarterly
$82,294Volatile liabilities
$11,496Insider loans
$202FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$6,951Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,194Total risk weighted assets
$47,792Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$5,899Total interest expense
$1,931Net interest income
$3,968Provision for loan and lease losses
$175Total noninterest income
$823Fiduciary activities
$0Service charges on deposit accounts
$513Trading account gains & fees
$0Additional noninterest income
$310Total noninterest expense
$3,161Salaries and employee benefits
$1,558Premises and equipment expense
$638Additional noninterest expense
$965Pre-tax net operating income
$1,455Securities gains (losses)
$0Applicable income taxes
$458Income before extraordinary items
$997Extraordinary gains - net
$0Net income attributable to bank
$997Net charge-offs
$184Cash dividends
$419Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.72%Cost of funding earning assets
2.53%Net interest margin
5.19%Noninterest income to earning assets
1.08%Noninterest expense to earning assets
4.14%Net operating income to assets
1.19%Return on assets (ROA)
1.19%Pretax return on assets
1.73%Return on equity (ROE)
12.80%Retained earnings to average equity (YTD only)
7.42%Net charge-offs to loans
0.41%Credit loss provision to net charge-offs
95.11%Efficiency ratio
65,978Assets per employee
1.44%Cash dividends to net income (YTD only)
Condition Ratios (%)
42.03%Loss allowance to loans
1.32%Loss allowance to noncurrent loans
201.74%Noncurrent assets plus other real estate owned to assets
0.43%Noncurrent loans to loans
0.65%Net loans and leases to deposits
65.21%Net loans and leases to core deposits
73.43%Equity capital to assets
9.71%Core capital (leverage) ratio
9.68%Tier 1 risk-based capital ratio
17.15%Total risk-based capital ratio
Memoranda
$18Average assets
$83,933Average earning assets
$7,786Average equity
$76,435Average loans

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