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

This bank is inactive as of June 28, 1996

  • Bank of Gonzales in Gonzales, Louisiana (LA)
  • Show street view No street view available for this location

Bank of Gonzales - Overview

  • General
  • FDIC Certificate #: 309
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Deposit Guaranty National Bank of Louisiana (#14189)
    Federal Reserve ID: 670935
    Date Established: January 01, 1920
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Interstate: No)
    OTS Docket #: 11258
    FDIC's unique #: 247
    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: June 28, 1996
    Last Structure Change Process Date: July 08, 1996
    Last Data Update: July 08, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: Worthy Road And Burnside Street, Gonzales, LA 70737
    County: Ascension
    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)
  • Financial Summary
  • Total assets: $125.6 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)
  • $63Total assets
  • $124,196Cash and due from depository institutions
  • $6,368Interest-bearing balances
  • $1,302Securities
  • $52,759Federal funds sold & reverse repurchase agreements
  • $2,634Net loans & leases
  • $58,156Loan loss allowance
  • $1,417Trading account assets
  • $0Bank premises and fixed assets
  • $2,289Other real estate owned
  • $290Goodwill and other intangibles
  • $1,700Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $124,196Total liabilities
  • $112,005Total deposits
  • $108,184Interest-bearing deposits
  • $86,528Deposits held in domestic offices
  • 108184.00%% insured (estimated)
  • $93Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $3,261Subordinated debt
  • $0All other liabilities
  • $560Total equity capital
  • $560Total bank equity capital
  • $12,191Perpetual preferred stock
  • $0Common stock
  • $4,400Surplus
  • $8,506Undivided profits
  • Memoranda
  • $-715Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $325Income earned, not collected on loans
  • $309Earning assets
  • $114,851Long-term assets (5+ years)
  • $31,805Average Assets, year-to-date
  • $120,995Average Assets, quarterly
  • $123,564Volatile liabilities
  • $7,085Insider loans
  • $1,442FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $6,166Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $11,892Total risk weighted assets
  • $65,070Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,973Total interest expense
  • $3,258Net interest income
  • $6,715Provision for loan and lease losses
  • $60Total noninterest income
  • $1,443Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,164Trading account gains & fees
  • $0Additional noninterest income
  • $279Total noninterest expense
  • $4,206Salaries and employee benefits
  • $2,017Premises and equipment expense
  • $654Additional noninterest expense
  • $1,535Pre-tax net operating income
  • $3,892Securities gains (losses)
  • -$50Applicable income taxes
  • $1,230Income before extraordinary items
  • $2,612Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,612Net charge-offs
  • $168Cash dividends
  • $2,925Sale, 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
  • 8.99%Cost of funding earning assets
  • 2.94%Net interest margin
  • 6.05%Noninterest income to earning assets
  • 1.30%Noninterest expense to earning assets
  • 3.79%Net operating income to assets
  • 2.19%Return on assets (ROA)
  • 2.16%Pretax return on assets
  • 3.18%Return on equity (ROE)
  • 22.10%Retained earnings to average equity (YTD only)
  • -2.65%Net charge-offs to loans
  • 0.28%Credit loss provision to net charge-offs
  • 35.71%Efficiency ratio
  • 51,557Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 111.98%Loss allowance to loans
  • 2.38%Loss allowance to noncurrent loans
  • 436.00%Noncurrent assets plus other real estate owned to assets
  • 0.50%Noncurrent loans to loans
  • 0.55%Net loans and leases to deposits
  • 53.76%Net loans and leases to core deposits
  • 57.52%Equity capital to assets
  • 9.82%Core capital (leverage) ratio
  • 9.60%Tier 1 risk-based capital ratio
  • 18.28%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $120,995Average earning assets
  • $11,818Average equity
  • $110,944Average loans

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