Commercial National Bank in Shreveport in Shreveport, Louisiana (LA)



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Commercial National Bank in Shreveport
GeneralFDIC Certificate #: 4310
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Deposit Guaranty National Bank (#9784)
Federal Reserve ID: 993559
Date Established: January 01, 1932
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 18 (Interstate: No)
FDIC's unique #: 2826
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 14, 1997
Last Structure Change Process Date: July 31, 1997
Last Data Update: July 31, 1997
Data Source Date: April 05, 2012
LocationAddress: 333 Texas Street, Shreveport, LA 71101
County: Caddo
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Dallas
FDIC Field Office: Shreveport
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
Financial SummaryTotal assets: $1,098.6 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)
Total employees (full-time equivalent)0
Total assets$466
Cash and due from depository institutions$1,195,315
Interest-bearing balances$84,889
Securities$0
Federal funds sold & reverse repurchase agreements$362,165
Net loans & leases$0
Loan loss allowance $649,138
Trading account assets$16,437
Bank premises and fixed assets$36
Other real estate owned$43,527
Goodwill and other intangibles$1,825
All other assets$12,767
Life insurance assets$40,968
Total liabilities and capital$0
Total liabilities$1,195,315
Total deposits$1,083,228
Interest-bearing deposits$937,123
Deposits held in domestic offices$699,562
% insured (estimated)937123.00%
Federal funds purchased & repurchase agreements $74
Trading liabilities$123,790
Other borrowed funds $0
Subordinated debt $6,319
All other liabilities $0
Total equity capital$15,996
Total bank equity capital$15,996
Perpetual preferred stock$112,087
Common stock$0
Surplus$14,000
Undivided profits $53,739
Memoranda
Noncurrent loans and leases $44,348
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $5,200
Earning assets $6,291
Long-term assets (5+ years) $1,011,339
Average Assets, year-to-date $271,476
Average Assets, quarterly $1,169,294
Volatile liabilities $1,185,748
Insider loans $206,773
FHLB advances $18,294
Loans and leases held for sale $0
Unused loan commitments $70,699
Tier 1 (core) risk-based capital $234,199
Tier 2 risk-based capital $0
Total risk weighted assets $98,345
Total unused commitments $803,313
Restructured Loans and leases $0
Derivatives$15,000
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Income and Expense (December 31, 1996)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $77,677
Net interest income $35,405
Provision for loan and lease losses $42,272
Total noninterest income $1,000
Fiduciary activities $23,665
Service charges on deposit accounts $5,675
Trading account gains & fees $6,696
Additional noninterest income $1,492
Total noninterest expense $9,802
Salaries and employee benefits $40,761
Premises and equipment expense $18,209
Additional noninterest expense $6,296
Pre-tax net operating income $16,256
Securities gains (losses) $24,176
Applicable income taxes $40
Income before extraordinary items $8,293
Extraordinary gains - net $15,923
Net income attributable to bank $0
Net charge-offs $15,923
Cash dividends $945
Sale, conversion, retirement of capital stock, net $5,320
Net operating income $0
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Performance and Condition Ratios (December 31, 1996)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 7.90%
Net interest margin 3.60%
Noninterest income to earning assets 4.30%
Noninterest expense to earning assets 2.41%
Net operating income to assets 4.15%
Return on assets (ROA) 1.36%
Pretax return on assets 1.36%
Return on equity (ROE) 2.07%
Retained earnings to average equity (YTD only) 13.41%
Net charge-offs to loans 8.93%
Credit loss provision to net charge-offs 0.16%
Efficiency ratio105.82%
Assets per employee$60,244
Cash dividends to net income (YTD only)2.57%
Condition Ratios (%)
Loss allowance to loans 33.41%
Loss allowance to noncurrent loans 2.47%
Noncurrent assets plus other real estate owned to assets 316.10%
Noncurrent loans to loans 0.59%
Net loans and leases to deposits0.78%
Net loans and leases to core deposits 69.27%
Equity capital to assets 75.52%
Core capital (leverage) ratio 9.38%
Tier 1 risk-based capital ratio 9.05%
Total risk-based capital ratio 12.24%
Memoranda
Average assets$14
Average earning assets$1,169,294
Average equity $118,743
Average loans $983,374
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