First Guaranty Bank in Hammond, Louisiana (LA)

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First Guaranty Bank
GeneralFDIC Certificate #: 14028
Status: Active
Federal Reserve ID: 422433
Bank Holding Company (Regulatory Top Holder): First Guaranty Bancshares, Inc. (RSSDID: 3589560, Location: Hammond, LA)
Date Established: March 12, 1934
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 20 (Domestic: 20, Interstate: No)
FDIC's unique #: 8769
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: March 12, 1934
Last Structure Change Effective Date: July 01, 2011
Last Structure Change Process Date: July 11, 2011
Last Data Update: July 11, 2011
Data Source Date: April 05, 2012
LocationAddress: 400 Guaranty Square, Hammond, LA 70401
County: Tangipahoa
Quarterly Banking Profile Region: Dallas
FDIC Geographic Region: Dallas
FDIC Supervisory Region: Atlanta
FDIC Field Office: Baton Rouge
Office of the Comptroller the Currency (OCC) District: Southwest
Office of Thrift Supervision Region: Western
Core Based Statistical Area (CBSA): Hammond, LA (#25220)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $1,353.3 mil
Equity capital: $127.8 mil
Deposits held in domestic offices: $1,208.9 mil
Return on assets (ROA): 0.73% ($9.9 mil)
Quarterly return on assets: 0.41% ($5.5 mil)
Return on Equity (ROE): 8.33% ($10.7 mil)
Quarterly return on equity: 4.33% ($5.5 mil)
Net income: $9.0 mil
Quarterly Net income: $1.4 mil
Pretax return on assets: 1.05% ($14,209.5 mil)
Quarterly Pretax return on assets: 0.59% ($7,984.4 mil)

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

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)260
Total assets$1,353,289
Cash and due from depository institutions$43,810
Interest-bearing balances$27,732
Federal funds sold & reverse repurchase agreements$68,630
Net loans & leases$564,221
Loan loss allowance $8,879
Trading account assets$0
Bank premises and fixed assets$19,921
Other real estate owned$5,710
Goodwill and other intangibles$4,810
All other assets$13,315
Life insurance assets$1,353,289
Total liabilities and capital$1,225,488
Total liabilities$1,208,921
Total deposits$1,039,378
Interest-bearing deposits$1,208,921
Deposits held in domestic offices$60
% insured (estimated)12223.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $4,344
All other liabilities $127,801
Total equity capital$127,801
Total bank equity capital$127,801
Perpetual preferred stock$0
Common stock$5,560
Undivided profits $31,414
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $23,186
Earning assets $84
Long-term assets (5+ years) $8,128
Average Assets, year-to-date $1,293,455
Average Assets, quarterly $609,016
Volatile liabilities $1,225,980
Insider loans $1,332,474
FHLB advances $857,885
Loans and leases held for sale $1,301,103
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $118,727
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $76,063
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $55,051
Total interest expense $14,993
Net interest income $40,058
Provision for loan and lease losses $10,187
Total noninterest income $6,633
Fiduciary activities $0
Service charges on deposit accounts $3,608
Trading account gains & fees $0
Additional noninterest income $3,025
Total noninterest expense $27,036
Salaries and employee benefits $12,387
Premises and equipment expense $3,451
Additional noninterest expense $11,198
Pre-tax net operating income $9,468
Securities gains (losses) $3,434
Applicable income taxes $3,923
Income before extraordinary items $8,979
Extraordinary gains - net $0
Net income attributable to bank $8,979
Net charge-offs $0
Cash dividends $8,979
Sale, conversion, retirement of capital stock, net $9,625
Net operating income $4,600
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.70%
Cost of funding earning assets 1.28%
Net interest margin 3.42%
Noninterest income to earning assets 0.57%
Noninterest expense to earning assets 2.31%
Net operating income to assets 0.54%
Return on assets (ROA) 0.73%
Pretax return on assets 1.05%
Return on equity (ROE) 8.33%
Retained earnings to average equity (YTD only) 4.06%
Net charge-offs to loans 1.68%
Credit loss provision to net charge-offs 105.84%
Efficiency ratio2.04%
Assets per employee$57,292
Cash dividends to net income (YTD only)5.20%
Condition Ratios (%)
Loss allowance to loans 51.23%
Loss allowance to noncurrent loans 1.55%
Noncurrent assets plus other real estate owned to assets 38.29%
Noncurrent loans to loans 2.14%
Net loans and leases to deposits4.05%
Net loans and leases to core deposits 46.67%
Equity capital to assets 61.83%
Core capital (leverage) ratio 9.44%
Tier 1 risk-based capital ratio 9.13%
Total risk-based capital ratio 13.84%
Average assets$15
Average earning assets$1,225,980
Average equity $107,791
Average loans $1,170,305
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Total Fiduciary and Related Assets (December 31, 2009)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$79
Number of Accounts1
Personal trust and agency accounts$79
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$79
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts9
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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20 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08769First Guaranty Bank400 Guaranty Square, Hammond, LA 70401March 12, 1934Full Service Brick and Mortar
1230843Amite Branch100 East Oak Street, Amite, LA 70422March 12, 1934Full Service Brick and Mortar
3230845Kentwood Branch301 Avenue F, Kentwood, LA 70444November 15, 1941Full Service Brick and Mortar
4230846Ponchatoula Branch195 North 6th Street, Ponchatoula, LA 70454March 12, 1934Full Service Brick and Mortar
6230848Independence Branch455 West Railroad Avenue, Independence, LA 70443October 18, 1976Full Service Brick and Mortar
9230851Guaranty West Branch2111 West Thomas Street, Hammond, LA 70401November 12, 1979Full Service Brick and Mortar
1061308Jennings Branch500 North Cary Avenue, Jennings, LA 70546November 21, 1997Full Service Brick and Mortar
11290787Abbeville Branch799 West Summers Drive, Abbeville, LA 70510September 01, 1998Full Service Brick and Mortar
12202988Vivian Branch102 East Louisiana Avenue, Vivian, LA 71082September 12, 1955Full Service Brick and Mortar
139425Oil City Branch126 S. Highway 1, Oil City, LA 71061January 01, 1924Full Service Brick and Mortar
196739Dubach Branch117 East Hico Street, Dubach, LA 71235January 01, 1906Full Service Brick and Mortar
205184Benton Branch196 Burt Boulevard, Benton, LA 71006September 01, 1904Full Service Brick and Mortar
23202926Haynesville Branch10065 North First Street, Haynesville, LA 71038September 14, 1981Full Service Brick and Mortar
2573826Homer Branch401 North 2nd Street, Homer, LA 71040January 26, 1999Full Service Brick and Mortar
26363792Denham Springs Branch2231 South Range Avenue, Denham Springs, LA 70726May 01, 2002Full Service Brick and Mortar
30364362Walker South Road Branch29815 Walker South Road, Walker, LA 70785June 25, 2001Full Service Brick and Mortar
31897Greensburg Branch6151 Hwy 10, Greensburg, LA 70441January 01, 1904Full Service Brick and Mortar
32189419Montpelier BranchHighways 16 And Bookter Avenue, Montpelier, LA 70422April 15, 1981Full Service Brick and Mortar
33189420Watson Branch3318 Louisiana Highway 16, Denham Springs, LA 70706June 08, 1998Full Service Brick and Mortar
34189421Kentwood Branch723 Ave G, Kentwood, LA 70444Febuary 01, 1999Full Service Brick and Mortar
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