American Bank & Trust Company of Houma in Houma, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of September 13, 1996

  • American Bank & Trust Company of Houma in Houma, Louisiana (LA)
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American Bank & Trust Company of Houma - Overview

  • General
  • FDIC Certificate #: 19281
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Regions Bank of Louisiana (#28098)
    Federal Reserve ID: 427139
    Date Established: November 14, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    FDIC's unique #: 13094
    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: November 14, 1964
    Last Structure Change Effective Date: September 13, 1996
    Last Structure Change Process Date: November 05, 1996
    Last Data Update: November 05, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 801 Barrow 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)
  • History of Changes
  • Merger - Without Assistance
    Corrections
  • Financial Summary
  • Total assets: $88.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $75Total assets
  • $88,663Cash and due from depository institutions
  • $6,569Interest-bearing balances
  • $0Securities
  • $26,752Federal funds sold & reverse repurchase agreements
  • $1,300Net loans & leases
  • $50,471Loan loss allowance
  • $993Trading account assets
  • $0Bank premises and fixed assets
  • $2,034Other real estate owned
  • $303Goodwill and other intangibles
  • $1,234Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $88,663Total liabilities
  • $80,236Total deposits
  • $78,763Interest-bearing deposits
  • $60,632Deposits held in domestic offices
  • 78763.00%% insured (estimated)
  • $88Federal funds purchased & repurchase agreements
  • $200Trading liabilities
  • $0Other borrowed funds
  • $651Subordinated debt
  • $0All other liabilities
  • $622Total equity capital
  • $622Total bank equity capital
  • $8,427Perpetual preferred stock
  • $0Common stock
  • $862Surplus
  • $4,138Undivided profits
  • Memoranda
  • $3,427Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $190Income earned, not collected on loans
  • $279Earning assets
  • $78,523Long-term assets (5+ years)
  • $10,858Average Assets, year-to-date
  • $85,104Average Assets, quarterly
  • $87,482Volatile liabilities
  • $9,609Insider loans
  • $1,261FHLB advances
  • $0Loans and leases held for sale
  • $867Unused loan commitments
  • $7,977Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,219Total risk weighted assets
  • $47,486Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,177Total interest expense
  • $2,475Net interest income
  • $3,702Provision for loan and lease losses
  • $0Total noninterest income
  • $1,327Fiduciary activities
  • $0Service charges on deposit accounts
  • $944Trading account gains & fees
  • $0Additional noninterest income
  • $383Total noninterest expense
  • $3,509Salaries and employee benefits
  • $1,717Premises and equipment expense
  • $661Additional noninterest expense
  • $1,131Pre-tax net operating income
  • $1,520Securities gains (losses)
  • -$1Applicable income taxes
  • $470Income before extraordinary items
  • $1,049Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,049Net charge-offs
  • $140Cash dividends
  • $298Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.10%Cost of funding earning assets
  • 3.25%Net interest margin
  • 4.85%Noninterest income to earning assets
  • 1.74%Noninterest expense to earning assets
  • 4.60%Net operating income to assets
  • 1.23%Return on assets (ROA)
  • 1.23%Pretax return on assets
  • 1.78%Return on equity (ROE)
  • 13.28%Retained earnings to average equity (YTD only)
  • 9.51%Net charge-offs to loans
  • 0.27%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 69,775Assets per employee
  • 1.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.41%Loss allowance to loans
  • 1.93%Loss allowance to noncurrent loans
  • 522.63%Noncurrent assets plus other real estate owned to assets
  • 0.56%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 64.08%Net loans and leases to core deposits
  • 72.77%Equity capital to assets
  • 9.50%Core capital (leverage) ratio
  • 9.50%Tier 1 risk-based capital ratio
  • 17.31%Total risk-based capital ratio
  • Memoranda
  • $19Average assets
  • $85,104Average earning assets
  • $7,899Average equity
  • $76,269Average loans

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