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

First National Bank of Houma in Houma, Louisiana (LA)
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First National Bank of Houma - Overview

General
FDIC Certificate #: 1371
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Whitney National Bank (#18538)
Federal Reserve ID: 613437
Date Established: January 01, 1933
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Interstate: No)
OTS Docket #: 12374
FDIC's unique #: 896
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 01, 1934
Last Structure Change Effective Date: August 15, 1997
Last Structure Change Process Date: October 16, 1997
Last Data Update: October 16, 1997
Data Source Date: April 05, 2012
Location
Address: 600 East Main Street, Houma, LA 70360
County: Terrebonne
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): Houma, LA (#3350)
Core Based Statistical Area (CBSA): Houma-Bayou Cane-Thibodaux, LA (#26380)
CBSA Metro Statistical Area: Houma-Bayou Cane-Thibodaux, LA (#26380)
Financial Summary
Total assets: $221.5 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)
$110Total assets
$235,259Cash and due from depository institutions
$24,436Interest-bearing balances
$12,793Securities
$74,009Federal funds sold & reverse repurchase agreements
$0Net loans & leases
$124,410Loan loss allowance
$1,964Trading account assets
$0Bank premises and fixed assets
$5,159Other real estate owned
$890Goodwill and other intangibles
$6,355Life insurance assets
$0All other assets
$0Total liabilities and capital
$235,259Total liabilities
$216,989Total deposits
$209,688Interest-bearing deposits
$176,674Deposits held in domestic offices
209688.00%% insured (estimated)
$79Federal funds purchased & repurchase agreements
$6,360Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$941Total equity capital
$941Total bank equity capital
$18,270Perpetual preferred stock
$0Common stock
$1,407Surplus
$10,969Undivided profits
Memoranda
$5,894Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$1,928Income earned, not collected on loans
$1,265Earning assets
$211,212Long-term assets (5+ years)
$50,592Average Assets, year-to-date
$220,102Average Assets, quarterly
$226,948Volatile liabilities
$33,532Insider loans
$2,088FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$14,486Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$18,261Total risk weighted assets
$143,850Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1996)

Dollar figures in thousands
$0Total interest income
$15,343Total interest expense
$6,596Net interest income
$8,747Provision for loan and lease losses
$175Total noninterest income
$2,097Fiduciary activities
$431Service charges on deposit accounts
$1,118Trading account gains & fees
$0Additional noninterest income
$548Total noninterest expense
$6,929Salaries and employee benefits
$3,135Premises and equipment expense
$1,298Additional noninterest expense
$2,496Pre-tax net operating income
$3,740Securities gains (losses)
$6Applicable income taxes
$1,268Income before extraordinary items
$2,478Extraordinary gains - net
$0Net income attributable to bank
$2,478Net charge-offs
$353Cash dividends
$974Sale, 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
7.76%Cost of funding earning assets
3.34%Net interest margin
4.43%Noninterest income to earning assets
1.06%Noninterest expense to earning assets
3.51%Net operating income to assets
1.12%Return on assets (ROA)
1.13%Pretax return on assets
1.70%Return on equity (ROE)
14.11%Retained earnings to average equity (YTD only)
8.56%Net charge-offs to loans
0.31%Credit loss provision to net charge-offs
49.58%Efficiency ratio
63,897Assets per employee
2.14%Cash dividends to net income (YTD only)
Condition Ratios (%)
39.31%Loss allowance to loans
1.55%Loss allowance to noncurrent loans
101.87%Noncurrent assets plus other real estate owned to assets
1.20%Noncurrent loans to loans
1.53%Net loans and leases to deposits
59.33%Net loans and leases to core deposits
68.16%Equity capital to assets
7.77%Core capital (leverage) ratio
8.31%Tier 1 risk-based capital ratio
12.69%Total risk-based capital ratio
Memoranda
$14Average assets
$220,102Average earning assets
$17,566Average equity
$197,620Average loans

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

First National Bank of Houma - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

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

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

First National Bank of Houma - Overview

Assets and Liabilities (December 31, 1996)

Income and Expense (December 31, 1996)

Performance and Condition Ratios (December 31, 1996)

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

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