First Bank of Natchitoches and Trust Company in Natchitoches, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 20, 1997

First Bank of Natchitoches and Trust Company in Natchitoches, Louisiana (LA)
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First Bank of Natchitoches and Trust Company - Overview

General
FDIC Certificate #: 23521
Status: Inactive
Closing history: Corrections
Acquiring institution: The Peoples State Bank (#8801)
Federal Reserve ID: 195054
Date Established: September 01, 1981
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 13390
FDIC's unique #: 16475
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: September 01, 1981
Last Structure Change Effective Date: June 20, 1997
Last Structure Change Process Date: August 06, 1997
Last Data Update: October 21, 1997
Data Source Date: April 05, 2012
Location
Address: 315 Royal Street, Natchitoches, LA 71457
County: Natchitoches
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
Core Based Statistical Area (CBSA): Natchitoches, LA (#35060)
CBSA Micro Statistical Area: Yes
History of Changes
Merger - Without Assistance
Corrections
Financial Summary
Total assets: $31.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1996)

Dollar figures in thousands
0Total employees (full-time equivalent)
$18Total assets
$31,304Cash and due from depository institutions
$3,545Interest-bearing balances
$1,142Securities
$6,725Federal funds sold & reverse repurchase agreements
$1,975Net loans & leases
$18,130Loan loss allowance
$350Trading account assets
$0Bank premises and fixed assets
$286Other real estate owned
$88Goodwill and other intangibles
$555Life insurance assets
$0All other assets
$0Total liabilities and capital
$31,304Total liabilities
$28,818Total deposits
$28,215Interest-bearing deposits
$20,929Deposits held in domestic offices
28215.00%% insured (estimated)
$83Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$500Subordinated debt
$0All other liabilities
$103Total equity capital
$103Total bank equity capital
$2,486Perpetual preferred stock
$0Common stock
$775Surplus
$1,525Undivided profits
Memoranda
$186Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$279Income earned, not collected on loans
$225Earning assets
$27,972Long-term assets (5+ years)
$1,125Average Assets, year-to-date
$28,044Average Assets, quarterly
$30,933Volatile liabilities
$7,628Insider loans
$263FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$1,504Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$2,498Total risk weighted assets
$19,100Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$2,335Total interest expense
$867Net interest income
$1,468Provision for loan and lease losses
$25Total noninterest income
$336Fiduciary activities
$0Service charges on deposit accounts
$265Trading account gains & fees
$0Additional noninterest income
$71Total noninterest expense
$1,459Salaries and employee benefits
$585Premises and equipment expense
$452Additional noninterest expense
$422Pre-tax net operating income
$320Securities gains (losses)
$0Applicable income taxes
$65Income before extraordinary items
$255Extraordinary gains - net
$0Net income attributable to bank
$255Net charge-offs
$84Cash dividends
$90Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1996)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.30%Cost of funding earning assets
3.45%Net interest margin
5.85%Noninterest income to earning assets
1.34%Noninterest expense to earning assets
5.81%Net operating income to assets
0.91%Return on assets (ROA)
0.91%Pretax return on assets
1.14%Return on equity (ROE)
10.59%Retained earnings to average equity (YTD only)
6.85%Net charge-offs to loans
0.49%Credit loss provision to net charge-offs
29.76%Efficiency ratio
80,876Assets per employee
1.74%Cash dividends to net income (YTD only)
Condition Ratios (%)
35.29%Loss allowance to loans
1.89%Loss allowance to noncurrent loans
125.45%Noncurrent assets plus other real estate owned to assets
1.17%Noncurrent loans to loans
1.51%Net loans and leases to deposits
64.26%Net loans and leases to core deposits
88.07%Equity capital to assets
7.94%Core capital (leverage) ratio
8.36%Tier 1 risk-based capital ratio
13.08%Total risk-based capital ratio
Memoranda
$14Average assets
$28,044Average earning assets
$2,408Average equity
$25,109Average loans

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