First Louisiana National Bank in Breaux Bridge, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 01, 2011

First Louisiana National Bank - Overview

  • General
  • FDIC Certificate #: 24679
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: MidSouth Bank, National Association (#25884)
    Federal Reserve ID: 842031
    Date Established: September 01, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 3 (Interstate: No)
    FDIC's unique #: 17134
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: September 01, 1983
    Last Structure Change Effective Date: December 01, 2011
    Last Structure Change Process Date: December 14, 2011
    Last Data Update: December 14, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 485 Mills Avenue, Breaux Bridge, LA 70517
    County: St. Martin
    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
    Metropolitan Statistical Area (MSA): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Lafayette, LA (#29180)
    CBSA Metro Statistical Area: Lafayette, LA (#29180)
  • Financial Summary
  • Total assets: $118.6 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, 2010)

  • Dollar figures in thousands
  • 47Total employees (full-time equivalent)
  • $111,388Total assets
  • $7,251Cash and due from depository institutions
  • $3,185Interest-bearing balances
  • $37,707Securities
  • $11,625Federal funds sold & reverse repurchase agreements
  • $51,188Net loans & leases
  • $969Loan loss allowance
  • $0Trading account assets
  • $2,378Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,239All other assets
  • $111,388Total liabilities and capital
  • $100,295Total liabilities
  • $100,085Total deposits
  • $78,963Interest-bearing deposits
  • $100,085Deposits held in domestic offices
  • 96.18%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $210All other liabilities
  • $11,093Total equity capital
  • $11,093Total bank equity capital
  • $11,093Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $1,746Undivided profits
  • Memoranda
  • $8,347Noncurrent loans and leases
  • $5,732Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $109Earning assets
  • $0Long-term assets (5+ years)
  • $455Average Assets, year-to-date
  • $103,705Average Assets, quarterly
  • $18,573Volatile liabilities
  • $113,689Insider loans
  • $111,447FHLB advances
  • $19,069Loans and leases held for sale
  • $1,618Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,732Total unused commitments
  • $0Restructured Loans and leases
  • $679Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $5,050Total interest income
  • $1,184Total interest expense
  • $3,866Net interest income
  • $7Provision for loan and lease losses
  • $1,235Total noninterest income
  • $0Fiduciary activities
  • $813Service charges on deposit accounts
  • $0Trading account gains & fees
  • $422Additional noninterest income
  • $3,881Total noninterest expense
  • $1,982Salaries and employee benefits
  • $645Premises and equipment expense
  • $1,254Additional noninterest expense
  • $1,213Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $1,213Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,213Net income attributable to bank
  • $0Net charge-offs
  • $1,213Cash dividends
  • $38Sale, conversion, retirement of capital stock, net
  • $1,054Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.83%Yield on earning assets
  • 1.13%Cost of funding earning assets
  • 3.70%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 3.71%Noninterest expense to earning assets
  • 1.07%Net operating income to assets
  • 1.07%Return on assets (ROA)
  • 1.07%Pretax return on assets
  • 10.62%Return on equity (ROE)
  • 1.39%Retained earnings to average equity (YTD only)
  • 0.07%Net charge-offs to loans
  • 18.42%Credit loss provision to net charge-offs
  • 32.11%Efficiency ratio
  • 76,083Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 86.89%Loss allowance to loans
  • 1.86%Loss allowance to noncurrent loans
  • 888.99%Noncurrent assets plus other real estate owned to assets
  • 0.10%Noncurrent loans to loans
  • 0.21%Net loans and leases to deposits
  • 51.14%Net loans and leases to core deposits
  • 63.18%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 10.27%Tier 1 risk-based capital ratio
  • 21.33%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $113,689Average earning assets
  • $11,422Average equity
  • $104,532Average loans

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