FDIC Certificate #: 18670 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Whitney National Bank (#18538) Federal Reserve ID: 594639 Date Established: January 02, 1963 Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC) Offices: 4 (Interstate: No) FDIC's unique #: 12547 Numeric code: 3 Regulator: OCC Insurance Fund Membership: Bank Insurance Fund (BIF) Bank Insurance Fund: Yes Insured commercial Banks: Yes FDIC Insured: Yes State Chartered: No Date of Deposit Insurance: January 02, 1963 Last Structure Change Effective Date: Febuary 09, 2001 Last Structure Change Process Date: Febuary 28, 2001 Last Data Update: Febuary 28, 2001 Data Source Date: April 05, 2012
Location
Address: Main Street, Gonzales, LA 70737 County: Ascension 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 Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760) 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: $103.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2000)
Dollar figures in thousands
49Total employees (full-time equivalent)
$103,375Total assets
$6,060Cash and due from depository institutions
$100Interest-bearing balances
$19,326Securities
$2,075Federal funds sold & reverse repurchase agreements
$57,692Net loans & leases
$855Loan loss allowance
$0Trading account assets
$2,061Bank premises and fixed assets
$0Other real estate owned
$15,036Goodwill and other intangibles
$0Life insurance assets
$1,125All other assets
$103,375Total liabilities and capital
$80,822Total liabilities
$78,729Total deposits
$56,006Interest-bearing deposits
$78,729Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$2,093All other liabilities
$22,553Total equity capital
$22,553Total bank equity capital
$22,553Perpetual preferred stock
$0Common stock
$672Surplus
$21,624Undivided profits
Memoranda
$257Noncurrent loans and leases
$7,153Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$342Earning assets
$0Long-term assets (5+ years)
$324Average Assets, year-to-date
$79,193Average Assets, quarterly
$4,888Volatile liabilities
$94,875Insider loans
$96,450FHLB advances
$6,542Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$7,153Total unused commitments
$0Restructured Loans and leases
$736Derivatives
Income and Expense (December 31, 2000)
Dollar figures in thousands
$1,074Total interest income
$365Total interest expense
$709Net interest income
$0Provision for loan and lease losses
$141Total noninterest income
$0Fiduciary activities
$114Service charges on deposit accounts
$0Trading account gains & fees
$27Additional noninterest income
$616Total noninterest expense
$256Salaries and employee benefits
$90Premises and equipment expense
$270Additional noninterest expense
$234Pre-tax net operating income
$0Securities gains (losses)
$97Applicable income taxes
$137Income before extraordinary items
$0Extraordinary gains - net
$137Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$72Sale, conversion, retirement of capital stock, net
$0Net operating income
Performance and Condition Ratios (December 31, 2000)
Dollar figures in thousands
Performance Ratios (%, annualized)
1.34%Yield on earning assets
0.45%Cost of funding earning assets
0.88%Net interest margin
0.18%Noninterest income to earning assets
0.77%Noninterest expense to earning assets
0.14%Net operating income to assets
0.14%Return on assets (ROA)
0.25%Pretax return on assets
1.16%Return on equity (ROE)
1.16%Retained earnings to average equity (YTD only)
0.12%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
3.25%Efficiency ratio
52,941Assets per employee
2.11%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.46%Loss allowance to noncurrent loans
250.00%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.58%Net loans and leases to deposits
73.28%Net loans and leases to core deposits
79.92%Equity capital to assets
21.82%Core capital (leverage) ratio
8.38%Tier 1 risk-based capital ratio
12.59%Total risk-based capital ratio
Memoranda
$14Average assets
$94,875Average earning assets
$11,808Average equity
$80,262Average loans
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