First American Bank & Trust of Louisiana in city_name, state_name

First American Bank & Trust of Louisiana in Monroe, Louisiana (LA)
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First American Bank & Trust of Louisiana - Overview

General
FDIC Certificate #: 19141
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Regions Bank of Louisiana (#28098)
Federal Reserve ID: 680251
Date Established: June 15, 1964
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 10 (Interstate: No)
FDIC's unique #: 12968
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: Yes
Date of Deposit Insurance: June 15, 1964
Last Structure Change Effective Date: December 02, 1994
Last Structure Change Process Date: December 21, 1994
Last Data Update: December 21, 1994
Data Source Date: April 05, 2012
Location
Address: 1500 North Eighteenth 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: $307.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$182Total assets
$304,908Cash and due from depository institutions
$55,832Interest-bearing balances
$0Securities
$34,796Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$206,211Loan loss allowance
$2,898Trading account assets
$0Bank premises and fixed assets
$4,733Other real estate owned
$303Goodwill and other intangibles
$2,851Life insurance assets
$182All other assets
$0Total liabilities and capital
$304,908Total liabilities
$280,857Total deposits
$279,924Interest-bearing deposits
$183,522Deposits held in domestic offices
279924.00%% insured (estimated)
$82Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$933Total equity capital
$933Total bank equity capital
$24,051Perpetual preferred stock
$0Common stock
$3,761Surplus
$2,738Undivided profits
Memoranda
$17,552Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$917Income earned, not collected on loans
$1,205Earning assets
$241,007Long-term assets (5+ years)
$10,261Average Assets, year-to-date
$294,412Average Assets, quarterly
$305,809Volatile liabilities
$33,692Insider loans
$14,325FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$26,955Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$23,869Total risk weighted assets
$209,421Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$21,388Total interest expense
$6,474Net interest income
$14,914Provision for loan and lease losses
$1,281Total noninterest income
$4,949Fiduciary activities
$1,594Service charges on deposit accounts
$1,668Trading account gains & fees
$0Additional noninterest income
$1,687Total noninterest expense
$12,030Salaries and employee benefits
$5,895Premises and equipment expense
$2,097Additional noninterest expense
$4,038Pre-tax net operating income
$6,552Securities gains (losses)
$17Applicable income taxes
$2,144Income before extraordinary items
$4,425Extraordinary gains - net
$187Net income attributable to bank
$4,612Net charge-offs
$550Cash dividends
$94Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
8.91%Cost of funding earning assets
2.70%Net interest margin
6.21%Noninterest income to earning assets
2.06%Noninterest expense to earning assets
5.01%Net operating income to assets
1.50%Return on assets (ROA)
1.57%Pretax return on assets
2.29%Return on equity (ROE)
21.21%Retained earnings to average equity (YTD only)
20.78%Net charge-offs to loans
0.28%Credit loss provision to net charge-offs
232.91%Efficiency ratio
60,258Assets per employee
1.68%Cash dividends to net income (YTD only)
Condition Ratios (%)
2.04%Loss allowance to loans
1.39%Loss allowance to noncurrent loans
316.03%Noncurrent assets plus other real estate owned to assets
0.40%Noncurrent loans to loans
0.44%Net loans and leases to deposits
73.67%Net loans and leases to core deposits
83.75%Equity capital to assets
7.89%Core capital (leverage) ratio
8.28%Tier 1 risk-based capital ratio
11.40%Total risk-based capital ratio
Memoranda
$13Average assets
$294,412Average earning assets
$21,740Average equity
$239,985Average loans

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

First American Bank & Trust of Louisiana - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

Comment about this bank, ask questions, or add new information about it:

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

First American Bank & Trust of Louisiana - Overview

Assets and Liabilities (December 31, 1993)

Income and Expense (December 31, 1993)

Performance and Condition Ratios (December 31, 1993)

Comment about this bank, ask questions, or add new information about it:

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