Bank of Commerce in Baton Rouge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1997

  • Bank of Commerce in Baton Rouge, Louisiana (LA)
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Bank of Commerce - Overview

  • General
  • FDIC Certificate #: 25338
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: Deposit Guaranty National Bank (#9784)
    Federal Reserve ID: 925532
    Date Established: August 06, 1984
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 11812
    FDIC's unique #: 17525
    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: August 06, 1984
    Last Structure Change Effective Date: July 01, 1997
    Last Structure Change Process Date: July 31, 1997
    Last Data Update: August 14, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 7777 Jefferson Highway, Baton Rouge, LA 70809
    County: East Baton Rouge
    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): Baton Rouge, LA (#760)
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $66.9 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)
  • $25Total assets
  • $69,289Cash and due from depository institutions
  • $3,694Interest-bearing balances
  • $0Securities
  • $14,810Federal funds sold & reverse repurchase agreements
  • $5,300Net loans & leases
  • $42,017Loan loss allowance
  • $645Trading account assets
  • $0Bank premises and fixed assets
  • $2,471Other real estate owned
  • $390Goodwill and other intangibles
  • $607Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $69,289Total liabilities
  • $63,950Total deposits
  • $63,529Interest-bearing deposits
  • $51,943Deposits held in domestic offices
  • 63529.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $421Total equity capital
  • $421Total bank equity capital
  • $5,339Perpetual preferred stock
  • $0Common stock
  • $2,500Surplus
  • $1,250Undivided profits
  • Memoranda
  • $1,589Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $201Income earned, not collected on loans
  • $228Earning assets
  • $62,127Long-term assets (5+ years)
  • $12,614Average Assets, year-to-date
  • $63,408Average Assets, quarterly
  • $66,113Volatile liabilities
  • $8,628Insider loans
  • $538FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $7,514Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $5,392Total risk weighted assets
  • $49,508Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,896Total interest expense
  • $2,376Net interest income
  • $2,520Provision for loan and lease losses
  • $168Total noninterest income
  • $347Fiduciary activities
  • $0Service charges on deposit accounts
  • $132Trading account gains & fees
  • $0Additional noninterest income
  • $215Total noninterest expense
  • $2,007Salaries and employee benefits
  • $1,081Premises and equipment expense
  • $230Additional noninterest expense
  • $696Pre-tax net operating income
  • $692Securities gains (losses)
  • -$6Applicable income taxes
  • $227Income before extraordinary items
  • $459Extraordinary gains - net
  • $0Net income attributable to bank
  • $459Net charge-offs
  • $74Cash dividends
  • $75Sale, 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
  • 8.59%Cost of funding earning assets
  • 4.17%Net interest margin
  • 4.42%Noninterest income to earning assets
  • 0.61%Noninterest expense to earning assets
  • 3.52%Net operating income to assets
  • 0.73%Return on assets (ROA)
  • 0.72%Pretax return on assets
  • 1.08%Return on equity (ROE)
  • 8.94%Retained earnings to average equity (YTD only)
  • 7.48%Net charge-offs to loans
  • 0.19%Credit loss provision to net charge-offs
  • 227.03%Efficiency ratio
  • 70,003Assets per employee
  • 2.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.34%Loss allowance to loans
  • 1.51%Loss allowance to noncurrent loans
  • 320.90%Noncurrent assets plus other real estate owned to assets
  • 0.85%Noncurrent loans to loans
  • 0.47%Net loans and leases to deposits
  • 66.14%Net loans and leases to core deposits
  • 76.53%Equity capital to assets
  • 7.71%Core capital (leverage) ratio
  • 8.30%Tier 1 risk-based capital ratio
  • 10.89%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $63,408Average earning assets
  • $5,132Average equity
  • $57,024Average loans

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