First National Bank in city_name, state_name - Detailed Financial Reports, Location

First National Bank in Arcadia, Louisiana (LA)
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First National Bank - Overview

General
FDIC Certificate #: 15059
Status: Active
Federal Reserve ID: 109659
Bank Holding Company (Regulatory Top Holder): First North Louisiana Bancshares, Inc. (RSSDID: 1133400, Location: Arcadia, LA)
Date Established: March 20, 1935
WWW: http://www.theuncommonbank.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 8 (Domestic: 8, Interstate: No)
OTS Docket #: 13513
FDIC's unique #: 9445
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 20, 1935
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 1890 North Railroad Avenue, Arcadia, LA 71001
County: Bienville
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
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $190.3 mil
Equity capital: $16.1 mil
Deposits held in domestic offices: $163.7 mil
Return on assets (ROA): 1.79% ($3.4 mil)
Quarterly return on assets: 1.86% ($3.5 mil)
Return on Equity (ROE): 21.46% ($3.4 mil)
Quarterly return on equity: 21.71% ($3.5 mil)
Net income: $3.5 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.79% ($3,405.8 mil)
Quarterly Pretax return on assets: 1.86% ($3,538.9 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, 2011)

Dollar figures in thousands
72Total employees (full-time equivalent)
$190,266Total assets
$9,553Cash and due from depository institutions
$7,183Interest-bearing balances
$7,321Securities
$0Federal funds sold & reverse repurchase agreements
$153,702Net loans & leases
$1,702Loan loss allowance
$0Trading account assets
$11,647Bank premises and fixed assets
$1,400Other real estate owned
$138Goodwill and other intangibles
$190,266Life insurance assets
$6,505All other assets
$174,151Total liabilities and capital
$163,746Total liabilities
$124,174Total deposits
$163,746Interest-bearing deposits
$86Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$9,556Trading liabilities
$0Other borrowed funds
$849Subordinated debt
$16,115All other liabilities
$16,115Total equity capital
$16,115Total bank equity capital
$0Perpetual preferred stock
$338Common stock
$6,727Surplus
$9,050Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,071Income earned, not collected on loans
$52Earning assets
$825Long-term assets (5+ years)
$168,206Average Assets, year-to-date
$22,874Average Assets, quarterly
$193,010Volatile liabilities
$190,356Insider loans
$145,558FHLB advances
$189,848Loans and leases held for sale
$3,957Unused loan commitments
$3,957Tier 1 (core) risk-based capital
$15,885Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$8,052Restructured Loans and leases
$5,028Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$11,597Total interest income
$1,425Total interest expense
$10,172Net interest income
$165Provision for loan and lease losses
$1,873Total noninterest income
$0Fiduciary activities
$1,295Service charges on deposit accounts
$0Trading account gains & fees
$578Additional noninterest income
$8,473Total noninterest expense
$4,389Salaries and employee benefits
$1,584Premises and equipment expense
$2,500Additional noninterest expense
$3,407Pre-tax net operating income
$52Securities gains (losses)
$0Applicable income taxes
$3,459Income before extraordinary items
$0Extraordinary gains - net
$3,459Net income attributable to bank
$0Net charge-offs
$3,459Cash dividends
$242Sale, conversion, retirement of capital stock, net
$3,309Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
6.83%Yield on earning assets
0.84%Cost of funding earning assets
5.99%Net interest margin
1.10%Noninterest income to earning assets
4.99%Noninterest expense to earning assets
1.77%Net operating income to assets
1.79%Return on assets (ROA)
1.79%Pretax return on assets
21.46%Return on equity (ROE)
0.93%Retained earnings to average equity (YTD only)
0.16%Net charge-offs to loans
68.18%Credit loss provision to net charge-offs
14.76%Efficiency ratio
70,345Assets per employee
2.64%Cash dividends to net income (YTD only)
Condition Ratios (%)
95.66%Loss allowance to loans
1.10%Loss allowance to noncurrent loans
158.92%Noncurrent assets plus other real estate owned to assets
1.30%Noncurrent loans to loans
0.69%Net loans and leases to deposits
93.87%Net loans and leases to core deposits
105.41%Equity capital to assets
8.47%Core capital (leverage) ratio
8.37%Tier 1 risk-based capital ratio
10.91%Total risk-based capital ratio
Memoranda
$12Average assets
$193,010Average earning assets
$16,122Average equity
$169,752Average loans

List of branches

8 Louisiana Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	9445	First National Bank	1890 North Railroad Avenue, Arcadia, LA 71001	March 20, 1935	Full Service Brick and Mortar
2	16174	Farmerville Branch	310 East Water, Farmerville, LA 71241	March 26, 1980	Full Service Brick and Mortar
3	361350	Ruston Downtown Branch	212 W Alabama Ave, Ruston, LA 71270	June 12, 2000	Full Service Brick and Mortar
4	364411	Www.Theuncommonbank.com	1890 North Railroad Avenue, Arcadia, LA 71001	July 01, 2001	Full Service Cyber
5	445305	Ruston Toma Lodge Branch	2001 North Trenton, Ruston, LA 71270	July 11, 2005	Full Service Brick and Mortar
6	465801	West Monroe Cypress St Branch	3510 Cypress Street, West Monroe, LA 71291	May 15, 2007	Full Service Brick and Mortar
7	492990	33 Branch	2201 Farmerville Highway, Ruston, LA 71270	November 03, 2008	Full Service Brick and Mortar
8	520273	First National Bank Messenger Servic	2001 North Trenton Street, Ruston, LA 71270	May 25, 2011	Limited Service Messenger

First National Bank in Arcadia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank in Arcadia, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

First National Bank in Arcadia, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches