FDIC Certificate #: 12606 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:Community Trust Bank (#12614) Federal Reserve ID: 670056 Date Established: November 18, 1933 WWW:http://www.fstunitedbank.com Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 3 (Interstate: No) FDIC's unique #: 8003 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: January 01, 1934 Last Structure Change Effective Date: December 16, 2005 Last Structure Change Process Date: December 29, 2005 Last Data Update: December 29, 2005 Data Source Date: April 05, 2012
Location
Address: 200 North Main Street, Farmerville, LA 71241 County: Union 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 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: $105.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2004)
Dollar figures in thousands
46Total employees (full-time equivalent)
$105,430Total assets
$8,768Cash and due from depository institutions
$534Interest-bearing balances
$39,579Securities
$9,000Federal funds sold & reverse repurchase agreements
$44,294Net loans & leases
$401Loan loss allowance
$0Trading account assets
$1,100Bank premises and fixed assets
$708Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$1,981All other assets
$105,430Total liabilities and capital
$91,880Total liabilities
$91,161Total deposits
$78,926Interest-bearing deposits
$91,161Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$141Other borrowed funds
$0Subordinated debt
$578All other liabilities
$13,550Total equity capital
$13,550Total bank equity capital
$13,550Perpetual preferred stock
$0Common stock
$250Surplus
$2,750Undivided profits
Memoranda
$10,550Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$927Earning assets
$0Long-term assets (5+ years)
$986Average Assets, year-to-date
$93,407Average Assets, quarterly
$27,023Volatile liabilities
$107,644Insider loans
$106,062FHLB advances
$19,416Loans and leases held for sale
$528Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$401Derivatives
Income and Expense (December 31, 2004)
Dollar figures in thousands
$4,532Total interest income
$1,579Total interest expense
$2,953Net interest income
$200Provision for loan and lease losses
$685Total noninterest income
$0Fiduciary activities
$361Service charges on deposit accounts
$0Trading account gains & fees
$324Additional noninterest income
$2,701Total noninterest expense
$1,467Salaries and employee benefits
$378Premises and equipment expense
$856Additional noninterest expense
$737Pre-tax net operating income
$159Securities gains (losses)
$230Applicable income taxes
$666Income before extraordinary items
$0Extraordinary gains - net
$666Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$124Sale, conversion, retirement of capital stock, net
$13Net operating income
Performance and Condition Ratios (December 31, 2004)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.63%Yield on earning assets
1.61%Cost of funding earning assets
3.02%Net interest margin
0.70%Noninterest income to earning assets
2.76%Noninterest expense to earning assets
0.51%Net operating income to assets
0.62%Return on assets (ROA)
0.83%Pretax return on assets
4.93%Return on equity (ROE)
4.84%Retained earnings to average equity (YTD only)
0.26%Net charge-offs to loans
161.29%Credit loss provision to net charge-offs
7.56%Efficiency ratio
74,244Assets per employee
2.29%Cash dividends to net income (YTD only)
Condition Ratios (%)
1.95%Loss allowance to loans
0.90%Loss allowance to noncurrent loans
43.26%Noncurrent assets plus other real estate owned to assets
1.55%Noncurrent loans to loans
2.07%Net loans and leases to deposits
48.59%Net loans and leases to core deposits
61.74%Equity capital to assets
12.85%Core capital (leverage) ratio
12.66%Tier 1 risk-based capital ratio
22.99%Total risk-based capital ratio
Memoranda
$24Average assets
$107,644Average earning assets
$13,498Average equity
$97,784Average loans
Comment about this bank, ask questions, or add new information about it:
This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First United Bank.
Based on public records. Inadvertent errors are possible. bankencyclopedia.com does not guarantee the accuracy or timeliness of any information on this site. Use at your own risk.
Comment about this bank, ask questions, or add new information about it: