Heritage Bank of Natchitoches in Natchitoches, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 24, 1994

Heritage Bank of Natchitoches in Natchitoches, Louisiana (LA)
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Heritage Bank of Natchitoches - Overview

General
FDIC Certificate #: 33138
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, Louisiana, National Association (#4306)
Federal Reserve ID: 1481576
Date Established: October 05, 1990
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Interstate: No)
OTS Docket #: 10798
FDIC's unique #: 46373
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: October 05, 1990
Last Structure Change Effective Date: June 24, 1994
Last Structure Change Process Date: July 11, 1994
Last Data Update: July 11, 1994
Data Source Date: April 05, 2012
Location
Address: 120 Church 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
Financial Summary
Total assets: $83.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

Dollar figures in thousands
0Total employees (full-time equivalent)
$35Total assets
$82,443Cash and due from depository institutions
$1,515Interest-bearing balances
$312Securities
$36,428Federal funds sold & reverse repurchase agreements
$3,375Net loans & leases
$38,890Loan loss allowance
$511Trading account assets
$0Bank premises and fixed assets
$1,168Other real estate owned
$119Goodwill and other intangibles
$948Life insurance assets
$0All other assets
$0Total liabilities and capital
$82,443Total liabilities
$76,401Total deposits
$75,752Interest-bearing deposits
$65,171Deposits held in domestic offices
75752.00%% insured (estimated)
$81Federal funds purchased & repurchase agreements
$278Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$371Total equity capital
$371Total bank equity capital
$6,042Perpetual preferred stock
$500Common stock
$1,500Surplus
$1,500Undivided profits
Memoranda
$2,542Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$44Income earned, not collected on loans
$405Earning assets
$79,005Long-term assets (5+ years)
$12,765Average Assets, year-to-date
$79,390Average Assets, quarterly
$82,586Volatile liabilities
$7,442Insider loans
$548FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$3,487Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$6,042Total risk weighted assets
$43,773Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1993)

Dollar figures in thousands
$0Total interest income
$5,488Total interest expense
$2,154Net interest income
$3,334Provision for loan and lease losses
$100Total noninterest income
$631Fiduciary activities
$0Service charges on deposit accounts
$393Trading account gains & fees
$0Additional noninterest income
$238Total noninterest expense
$2,489Salaries and employee benefits
$1,256Premises and equipment expense
$237Additional noninterest expense
$996Pre-tax net operating income
$1,376Securities gains (losses)
$0Applicable income taxes
$352Income before extraordinary items
$1,024Extraordinary gains - net
$0Net income attributable to bank
$1,024Net charge-offs
$82Cash dividends
$248Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1993)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
7.30%Cost of funding earning assets
2.87%Net interest margin
4.44%Noninterest income to earning assets
0.84%Noninterest expense to earning assets
3.31%Net operating income to assets
1.29%Return on assets (ROA)
1.29%Pretax return on assets
1.73%Return on equity (ROE)
18.03%Retained earnings to average equity (YTD only)
13.66%Net charge-offs to loans
0.25%Credit loss provision to net charge-offs
121.95%Efficiency ratio
62,774Assets per employee
2.36%Cash dividends to net income (YTD only)
Condition Ratios (%)
24.22%Loss allowance to loans
1.30%Loss allowance to noncurrent loans
1161.36%Noncurrent assets plus other real estate owned to assets
0.20%Noncurrent loans to loans
0.11%Net loans and leases to deposits
51.34%Net loans and leases to core deposits
56.70%Equity capital to assets
7.33%Core capital (leverage) ratio
7.31%Tier 1 risk-based capital ratio
13.80%Total risk-based capital ratio
Memoranda
$15Average assets
$79,390Average earning assets
$5,679Average equity
$75,131Average loans

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