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

This bank is inactive as of March 10, 1995

  • Bank of New Roads in New Roads, Louisiana (LA)
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Bank of New Roads - Overview

  • General
  • FDIC Certificate #: 13172
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank of Louisiana (#28098)
    Federal Reserve ID: 80132
    Date Established: October 02, 1899
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 7 (Interstate: No)
    FDIC's unique #: 8334
    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: March 10, 1995
    Last Structure Change Process Date: April 06, 1995
    Last Data Update: April 06, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 107 East Main, New Roads, LA 70760
    County: Pointe Coupee
    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
    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: $139.8 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $71Total assets
  • $139,782Cash and due from depository institutions
  • $4,565Interest-bearing balances
  • $0Securities
  • $52,286Federal funds sold & reverse repurchase agreements
  • $9,655Net loans & leases
  • $65,494Loan loss allowance
  • $831Trading account assets
  • $0Bank premises and fixed assets
  • $2,461Other real estate owned
  • $56Goodwill and other intangibles
  • $5,265Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $139,782Total liabilities
  • $124,379Total deposits
  • $121,982Interest-bearing deposits
  • $111,842Deposits held in domestic offices
  • 121982.00%% insured (estimated)
  • $80Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $2,397Total equity capital
  • $2,397Total bank equity capital
  • $15,403Perpetual preferred stock
  • $0Common stock
  • $1,688Surplus
  • $3,813Undivided profits
  • Memoranda
  • $9,902Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,546Income earned, not collected on loans
  • $588Earning assets
  • $127,435Long-term assets (5+ years)
  • $13,943Average Assets, year-to-date
  • $139,036Average Assets, quarterly
  • $138,121Volatile liabilities
  • $13,687Insider loans
  • $3,408FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $9,796Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $16,016Total risk weighted assets
  • $72,233Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,863Total interest expense
  • $3,429Net interest income
  • $6,434Provision for loan and lease losses
  • $185Total noninterest income
  • $1,046Fiduciary activities
  • $0Service charges on deposit accounts
  • $746Trading account gains & fees
  • $0Additional noninterest income
  • $300Total noninterest expense
  • $5,048Salaries and employee benefits
  • $2,202Premises and equipment expense
  • $853Additional noninterest expense
  • $1,993Pre-tax net operating income
  • $2,247Securities gains (losses)
  • $87Applicable income taxes
  • $767Income before extraordinary items
  • $1,567Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,567Net charge-offs
  • $188Cash dividends
  • $895Sale, conversion, retirement of capital stock, net
  • $36Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.74%Cost of funding earning assets
  • 2.69%Net interest margin
  • 5.05%Noninterest income to earning assets
  • 0.82%Noninterest expense to earning assets
  • 3.96%Net operating income to assets
  • 1.09%Return on assets (ROA)
  • 1.13%Pretax return on assets
  • 1.68%Return on equity (ROE)
  • 10.09%Retained earnings to average equity (YTD only)
  • 4.33%Net charge-offs to loans
  • 0.28%Credit loss provision to net charge-offs
  • 98.40%Efficiency ratio
  • 67,487Assets per employee
  • 1.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 57.12%Loss allowance to loans
  • 1.25%Loss allowance to noncurrent loans
  • 53.75%Noncurrent assets plus other real estate owned to assets
  • 1.15%Noncurrent loans to loans
  • 2.33%Net loans and leases to deposits
  • 53.69%Net loans and leases to core deposits
  • 60.48%Equity capital to assets
  • 11.02%Core capital (leverage) ratio
  • 11.71%Tier 1 risk-based capital ratio
  • 22.17%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $139,036Average earning assets
  • $15,529Average equity
  • $127,398Average loans

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