First Bank of Natchitoches and Trust Company in Natchitoches, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 20, 1997

  • First Bank of Natchitoches and Trust Company in Natchitoches, Louisiana (LA)
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First Bank of Natchitoches and Trust Company - Overview

  • General
  • FDIC Certificate #: 23521
    Status: Inactive
    Closing history: Corrections
    Acquiring institution: The Peoples State Bank (#8801)
    Federal Reserve ID: 195054
    Date Established: September 01, 1981
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Interstate: No)
    OTS Docket #: 13390
    FDIC's unique #: 16475
    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: September 01, 1981
    Last Structure Change Effective Date: June 20, 1997
    Last Structure Change Process Date: August 06, 1997
    Last Data Update: October 21, 1997
    Data Source Date: April 05, 2012
  • Location
  • Address: 315 Royal Street, Natchitoches, LA 71457
    County: Natchitoches
    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
    Core Based Statistical Area (CBSA): Natchitoches, LA (#35060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merger - Without Assistance
  • Financial Summary
  • Total assets: $31.4 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)
  • $18Total assets
  • $31,304Cash and due from depository institutions
  • $3,545Interest-bearing balances
  • $1,142Securities
  • $6,725Federal funds sold & reverse repurchase agreements
  • $1,975Net loans & leases
  • $18,130Loan loss allowance
  • $350Trading account assets
  • $0Bank premises and fixed assets
  • $286Other real estate owned
  • $88Goodwill and other intangibles
  • $555Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $31,304Total liabilities
  • $28,818Total deposits
  • $28,215Interest-bearing deposits
  • $20,929Deposits held in domestic offices
  • 28215.00%% insured (estimated)
  • $83Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $500Subordinated debt
  • $0All other liabilities
  • $103Total equity capital
  • $103Total bank equity capital
  • $2,486Perpetual preferred stock
  • $0Common stock
  • $775Surplus
  • $1,525Undivided profits
  • Memoranda
  • $186Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $279Income earned, not collected on loans
  • $225Earning assets
  • $27,972Long-term assets (5+ years)
  • $1,125Average Assets, year-to-date
  • $28,044Average Assets, quarterly
  • $30,933Volatile liabilities
  • $7,628Insider loans
  • $263FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,504Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,498Total risk weighted assets
  • $19,100Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1996)

  • Dollar figures in thousands
  • $0Total interest income
  • $2,335Total interest expense
  • $867Net interest income
  • $1,468Provision for loan and lease losses
  • $25Total noninterest income
  • $336Fiduciary activities
  • $0Service charges on deposit accounts
  • $265Trading account gains & fees
  • $0Additional noninterest income
  • $71Total noninterest expense
  • $1,459Salaries and employee benefits
  • $585Premises and equipment expense
  • $452Additional noninterest expense
  • $422Pre-tax net operating income
  • $320Securities gains (losses)
  • $0Applicable income taxes
  • $65Income before extraordinary items
  • $255Extraordinary gains - net
  • $0Net income attributable to bank
  • $255Net charge-offs
  • $84Cash dividends
  • $90Sale, 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
  • 9.30%Cost of funding earning assets
  • 3.45%Net interest margin
  • 5.85%Noninterest income to earning assets
  • 1.34%Noninterest expense to earning assets
  • 5.81%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 0.91%Pretax return on assets
  • 1.14%Return on equity (ROE)
  • 10.59%Retained earnings to average equity (YTD only)
  • 6.85%Net charge-offs to loans
  • 0.49%Credit loss provision to net charge-offs
  • 29.76%Efficiency ratio
  • 80,876Assets per employee
  • 1.74%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 35.29%Loss allowance to loans
  • 1.89%Loss allowance to noncurrent loans
  • 125.45%Noncurrent assets plus other real estate owned to assets
  • 1.17%Noncurrent loans to loans
  • 1.51%Net loans and leases to deposits
  • 64.26%Net loans and leases to core deposits
  • 88.07%Equity capital to assets
  • 7.94%Core capital (leverage) ratio
  • 8.36%Tier 1 risk-based capital ratio
  • 13.08%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $28,044Average earning assets
  • $2,408Average equity
  • $25,109Average loans

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