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

This bank is inactive as of December 02, 1994

  • First American Bank & Trust of Louisiana in Monroe, Louisiana (LA)
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First American Bank & Trust of Louisiana - Overview

  • General
  • FDIC Certificate #: 19141
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank of Louisiana (#28098)
    Federal Reserve ID: 680251
    Date Established: June 15, 1964
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 10 (Interstate: No)
    FDIC's unique #: 12968
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: June 15, 1964
    Last Structure Change Effective Date: December 02, 1994
    Last Structure Change Process Date: December 21, 1994
    Last Data Update: December 21, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 1500 North Eighteenth Street, Monroe, LA 71201
    County: Ouachita
    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): Monroe, LA (#5200)
    Combined Statistical Area (CSA): Monroe-Bastrop, LA (#384)
    Core Based Statistical Area (CBSA): Monroe, LA (#33740)
    CBSA Metro Statistical Area: Monroe, LA (#33740)
  • Financial Summary
  • Total assets: $307.5 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $182Total assets
  • $304,908Cash and due from depository institutions
  • $55,832Interest-bearing balances
  • $0Securities
  • $34,796Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $206,211Loan loss allowance
  • $2,898Trading account assets
  • $0Bank premises and fixed assets
  • $4,733Other real estate owned
  • $303Goodwill and other intangibles
  • $2,851Life insurance assets
  • $182All other assets
  • $0Total liabilities and capital
  • $304,908Total liabilities
  • $280,857Total deposits
  • $279,924Interest-bearing deposits
  • $183,522Deposits held in domestic offices
  • 279924.00%% insured (estimated)
  • $82Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $933Total equity capital
  • $933Total bank equity capital
  • $24,051Perpetual preferred stock
  • $0Common stock
  • $3,761Surplus
  • $2,738Undivided profits
  • Memoranda
  • $17,552Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $917Income earned, not collected on loans
  • $1,205Earning assets
  • $241,007Long-term assets (5+ years)
  • $10,261Average Assets, year-to-date
  • $294,412Average Assets, quarterly
  • $305,809Volatile liabilities
  • $33,692Insider loans
  • $14,325FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $26,955Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $23,869Total risk weighted assets
  • $209,421Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $21,388Total interest expense
  • $6,474Net interest income
  • $14,914Provision for loan and lease losses
  • $1,281Total noninterest income
  • $4,949Fiduciary activities
  • $1,594Service charges on deposit accounts
  • $1,668Trading account gains & fees
  • $0Additional noninterest income
  • $1,687Total noninterest expense
  • $12,030Salaries and employee benefits
  • $5,895Premises and equipment expense
  • $2,097Additional noninterest expense
  • $4,038Pre-tax net operating income
  • $6,552Securities gains (losses)
  • $17Applicable income taxes
  • $2,144Income before extraordinary items
  • $4,425Extraordinary gains - net
  • $187Net income attributable to bank
  • $4,612Net charge-offs
  • $550Cash dividends
  • $94Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.91%Cost of funding earning assets
  • 2.70%Net interest margin
  • 6.21%Noninterest income to earning assets
  • 2.06%Noninterest expense to earning assets
  • 5.01%Net operating income to assets
  • 1.50%Return on assets (ROA)
  • 1.57%Pretax return on assets
  • 2.29%Return on equity (ROE)
  • 21.21%Retained earnings to average equity (YTD only)
  • 20.78%Net charge-offs to loans
  • 0.28%Credit loss provision to net charge-offs
  • 232.91%Efficiency ratio
  • 60,258Assets per employee
  • 1.68%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 2.04%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 316.03%Noncurrent assets plus other real estate owned to assets
  • 0.40%Noncurrent loans to loans
  • 0.44%Net loans and leases to deposits
  • 73.67%Net loans and leases to core deposits
  • 83.75%Equity capital to assets
  • 7.89%Core capital (leverage) ratio
  • 8.28%Tier 1 risk-based capital ratio
  • 11.40%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $294,412Average earning assets
  • $21,740Average equity
  • $239,985Average loans

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