The First National Bank of Lafayette in city_name, state_name

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

General
FDIC Certificate #: 4291
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Bank One, Louisiana, National Association (#4306)
Federal Reserve ID: 206633
Date Established: July 31, 1891
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 13 (Interstate: No)
FDIC's unique #: 2812
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
Oakar Institutions: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: November 16, 1998
Last Structure Change Process Date: Febuary 01, 1999
Last Data Update: Febuary 01, 1999
Data Source Date: April 05, 2012
Location
Address: 600 Jefferson Street, Lafayette, LA 70509
County: Lafayette
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Chicago
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Lafayette, LA (#3880)
Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
Core Based Statistical Area (CBSA): Lafayette, LA (#29180)
CBSA Metro Statistical Area: Lafayette, LA (#29180)
Financial Summary
Total assets: $659.6 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

Dollar figures in thousands
238Total employees (full-time equivalent)
$856,161Total assets
$50,388Cash and due from depository institutions
$48Interest-bearing balances
$169,706Securities
$87,000Federal funds sold & reverse repurchase agreements
$512,074Net loans & leases
$4,897Loan loss allowance
$4,212Trading account assets
$9,912Bank premises and fixed assets
$53Other real estate owned
$12,728Goodwill and other intangibles
$0Life insurance assets
$10,088All other assets
$856,161Total liabilities and capital
$769,746Total liabilities
$737,313Total deposits
$571,339Interest-bearing deposits
$737,313Deposits held in domestic offices
0.00%% insured (estimated)
$26,778Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$5,655All other liabilities
$86,415Total equity capital
$86,415Total bank equity capital
$86,415Perpetual preferred stock
$0Common stock
$1,100Surplus
$68,756Undivided profits
Memoranda
$16,559Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$3,520Earning assets
$58Long-term assets (5+ years)
$6,880Average Assets, year-to-date
$773,040Average Assets, quarterly
$140,385Volatile liabilities
$822,753Insider loans
$844,793FHLB advances
$120,273Loans and leases held for sale
$28,337Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$174,359Total unused commitments
$0Restructured Loans and leases
$574,642Derivatives

Income and Expense (December 31, 1997)

Dollar figures in thousands
$56,816Total interest income
$21,779Total interest expense
$35,037Net interest income
$650Provision for loan and lease losses
$9,796Total noninterest income
$1,051Fiduciary activities
$6,106Service charges on deposit accounts
$0Trading account gains & fees
$2,639Additional noninterest income
$25,542Total noninterest expense
$9,528Salaries and employee benefits
$3,711Premises and equipment expense
$12,303Additional noninterest expense
$18,641Pre-tax net operating income
$286Securities gains (losses)
$6,849Applicable income taxes
$12,078Income before extraordinary items
$0Extraordinary gains - net
$12,078Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$420Sale, conversion, retirement of capital stock, net
$13,871Net operating income

Performance and Condition Ratios (December 31, 1997)

Dollar figures in thousands
Performance Ratios (%, annualized)
7.71%Yield on earning assets
2.96%Cost of funding earning assets
4.76%Net interest margin
1.33%Noninterest income to earning assets
3.47%Noninterest expense to earning assets
1.45%Net operating income to assets
1.47%Return on assets (ROA)
2.30%Pretax return on assets
13.84%Return on equity (ROE)
-2.06%Retained earnings to average equity (YTD only)
0.08%Net charge-offs to loans
154.76%Credit loss provision to net charge-offs
45.93%Efficiency ratio
52,573Assets per employee
3.60%Cash dividends to net income (YTD only)
Condition Ratios (%)
114.85%Loss allowance to loans
0.95%Loss allowance to noncurrent loans
139.12%Noncurrent assets plus other real estate owned to assets
0.42%Noncurrent loans to loans
0.68%Net loans and leases to deposits
69.45%Net loans and leases to core deposits
79.54%Equity capital to assets
10.09%Core capital (leverage) ratio
9.06%Tier 1 risk-based capital ratio
12.74%Total risk-based capital ratio
Memoranda
$14Average assets
$822,753Average earning assets
$87,250Average equity
$736,647Average loans

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

The First National Bank of Lafayette - Overview

Assets and Liabilities (December 31, 1997)

Income and Expense (December 31, 1997)

Performance and Condition Ratios (December 31, 1997)

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

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

The First National Bank of Lafayette - Overview

Assets and Liabilities (December 31, 1997)

Income and Expense (December 31, 1997)

Performance and Condition Ratios (December 31, 1997)

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

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