First NBC Bank in New Orleans, Louisiana (LA)



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First NBC Bank
GeneralFDIC Certificate #: 58302
Status: Active
Federal Reserve ID: 3445769
Bank Holding Company (Regulatory Top Holder): First Nbc Bank Holding Company (RSSDID: 3485541, Location: New Orleans, LA)
Date Established: May 19, 2006
WWW: http://www.firstnbcbank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 33 (Domestic: 32, Interstate: No)
FDIC's unique #: 445693
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: May 19, 2006
Last Structure Change Effective Date: November 18, 2011
Last Structure Change Process Date: November 21, 2011
Last Data Update: November 21, 2011
Data Source Date: April 05, 2012
LocationAddress: 210 Baronne Street, New Orleans, LA 70112
County: Orleans
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): New Orleans, LA (#5560)
Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
History of ChangesParticipated in FDIC Assisted Absorption/Consolidation/Merger
Financial SummaryTotal assets: $2,218.7 mil
Equity capital: $222.6 mil
Deposits held in domestic offices: $1,904.1 mil
Return on assets (ROA): 1.17% ($26.0 mil)
Quarterly return on assets: 1.18% ($26.2 mil)
Return on Equity (ROE): 11.36% ($25.3 mil)
Quarterly return on equity: 10.75% ($24.0 mil)
Net income: $20.2 mil
Quarterly Net income: $5.9 mil
Pretax return on assets: 0.66% ($14,643.3 mil)
Quarterly Pretax return on assets: 0.41% ($9,096.6 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)403
Total assets$2,218,689
Cash and due from depository institutions$65,006
Interest-bearing balances$32,188
Securities$326,490
Federal funds sold & reverse repurchase agreements$2,934
Net loans & leases$1,649,416
Loan loss allowance $18,122
Trading account assets$0
Bank premises and fixed assets$31,122
Other real estate owned$7,991
Goodwill and other intangibles$3,233
All other assets$132,497
Life insurance assets$2,218,689
Total liabilities and capital$1,996,117
Total liabilities$1,904,123
Total deposits$1,806,377
Interest-bearing deposits$1,904,123
Deposits held in domestic offices$81
% insured (estimated)17976.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$56,515
Other borrowed funds $0
Subordinated debt $17,503
All other liabilities $222,572
Total equity capital$222,569
Total bank equity capital$222,569
Perpetual preferred stock$1,644
Common stock$11,019
Surplus$174,729
Undivided profits $35,177
Memoranda
Noncurrent loans and leases $3
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $25,361
Income earned, not collected on loans $9,017
Earning assets $58
Long-term assets (5+ years) $7,715
Average Assets, year-to-date $2,011,028
Average Assets, quarterly $340,422
Volatile liabilities $1,729,520
Insider loans $1,997,598
FHLB advances $1,816,446
Loans and leases held for sale $2,041,372
Unused loan commitments $24,757
Tier 1 (core) risk-based capital $7,892
Tier 2 risk-based capital $217,542
Total risk weighted assets $5,859
Total unused commitments $11,006
Restructured Loans and leases $195,732
Derivatives$17,358
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $79,026
Total interest expense $26,258
Net interest income $52,768
Provision for loan and lease losses $8,010
Total noninterest income $3,229
Fiduciary activities $120
Service charges on deposit accounts $1,537
Trading account gains & fees $0
Additional noninterest income $1,572
Total noninterest expense $36,774
Salaries and employee benefits $14,050
Premises and equipment expense $6,507
Additional noninterest expense $16,217
Pre-tax net operating income $11,213
Securities gains (losses) $485
Applicable income taxes -$8,774
Income before extraordinary items $20,472
Extraordinary gains - net $0
Net income attributable to bank $20,164
Net charge-offs $308
Cash dividends $20,472
Sale, conversion, retirement of capital stock, net $2,398
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.02%
Cost of funding earning assets 1.67%
Net interest margin 3.35%
Noninterest income to earning assets 0.21%
Noninterest expense to earning assets 2.34%
Net operating income to assets 1.16%
Return on assets (ROA) 1.17%
Pretax return on assets 0.66%
Return on equity (ROE) 11.36%
Retained earnings to average equity (YTD only) 11.36%
Net charge-offs to loans 0.18%
Credit loss provision to net charge-offs 334.03%
Efficiency ratio8.02%
Assets per employee$65,671
Cash dividends to net income (YTD only)5.51%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.09%
Noncurrent assets plus other real estate owned to assets 200.98%
Noncurrent loans to loans 0.77%
Net loans and leases to deposits0.54%
Net loans and leases to core deposits 86.62%
Equity capital to assets 96.01%
Core capital (leverage) ratio 10.03%
Tier 1 risk-based capital ratio 10.66%
Total risk-based capital ratio 11.98%
Memoranda
Average assets$13
Average earning assets$1,729,520
Average equity $177,441
Average loans $1,573,612
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Total Fiduciary and Related Assets (December 31, 2011)
(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$28,735
Number of Accounts1
Personal trust and agency accounts$28,735
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$4,316
Corporate trust and agency accounts$0
Investment management agency accounts$24,419
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts3
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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33 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0445693First Nbc Bank210 Baronne Street, New Orleans, LA 70112May 19, 2006Full Service Brick and Mortar
1458072Lakeview Branch851 Harrison Ave., New Orleans, LA 70124January 16, 2007Full Service Brick and Mortar
2458325Mobile Branch210 Baronne Street, New Orleans, LA 70112July 24, 2006Limited Service Mobile
3458328Elmwood Branch1105 S. Clearview Parkway, Harahan, LA 70123January 16, 2007Full Service Brick and Mortar
4465628Veterans Branch521 Veterans Memorial Blvd, Metairie, LA 70005June 27, 2007Full Service Brick and Mortar
5479008Kenner Branch3535 Chateau Blvd, Suite 16, Kenner, LA 70065Febuary 11, 2008Full Service Brick and Mortar
6479922Transcontinental Branch4900 Veterans Memorial Boulevard, Metairie, LA 70006July 07, 2008Full Service Brick and Mortar
7473474Terrytown Branch2021 Carol Sue Avenue, Terrytown, LA 70056June 04, 2007Full Service Brick and Mortar
8503119General Degaulle Branch4100 General Degaulle, Unit B-7, New Orleans, LA 70131Febuary 23, 2010Full Service Brick and Mortar
955102Dryades Savings Bank Branch233 Carondelet Street, Suite 200, New Orleans, LA 70130September 09, 1994Full Service Brick and Mortar
112652745733 Read Blvd Branch5733 Read Boulevard, New Orleans, LA 70127January 01, 1919Full Service Brick and Mortar
12265275436 Lapalco Blvd Branch436 Lapalco Boulevard, Gretna, LA 70056January 01, 1919Full Service Brick and Mortar
13515970St. Charles Branch3331 St. Charles Avenue, New Orleans, LA 70115December 13, 2010Full Service Brick and Mortar
14515972Manhattan Branch1901 Manhattan Boulevard, Harvey, LA 70058January 24, 2011Full Service Brick and Mortar
1513456Central Progressive Bank Branch29092 Krentel Road, Lacombe, LA 70445January 03, 1967Full Service Brick and Mortar
16249161Hammond Branch1809 West Thomas Street, Hammond, LA 70401January 04, 1971Full Service Brick and Mortar
17249162Kentwood BranchAvenue G And North Ninth Street, Kentwood, LA 70444March 08, 1976Full Service Brick and Mortar
18249163Ponchatoula Branch200 West Hickory Street, Ponchatoula, LA 70454April 28, 1983Full Service Brick and Mortar
19249164Amite Branch400 West Oak Street, Amite, LA 70422August 03, 1988Full Service Brick and Mortar
20249166Slidell Branch2130 Gause Boulevard West, Slidell, LA 70460June 17, 1996Full Service Brick and Mortar
21249167Denham Springs Branch1010 South Range Avenue, Denham Springs, LA 70726August 01, 1996Full Service Brick and Mortar
22249168Pontchartrain Drive Branch4001 Pontchartrain Drive, Slidell, LA 70458December 01, 1998Full Service Brick and Mortar
23249169Bogalusa Branch200 Richmond Street, Bogalusa, LA 70427Febuary 08, 1999Full Service Brick and Mortar
24249170Gause Blvd.Branch2077 Gause Blvd. East, Slidell, LA 70461November 22, 1999Full Service Brick and Mortar
25418686Highway 21 Branch70444 Highway 21, Covington, LA 70433January 27, 2003Full Service Brick and Mortar
26419912Gause Central Branch551 Gause Boulevard, Slidell, LA 70460August 22, 2002Full Service Brick and Mortar
27428738Madisonville Branch707 Main Street, Madisonville, LA 70447January 07, 2004Full Service Brick and Mortar
28443297Causeway Branch1347 N Causeway, Mandeville, LA 70471May 02, 2005Full Service Brick and Mortar
29449875Range Road Branch44476 South Range Road, Hammond, LA 70401March 14, 2006Full Service Brick and Mortar
30450379Brown Switch Road Branch740 Brownswitch Road, Slidell, LA 70458March 27, 2006Full Service Brick and Mortar
31456266Pearl River Highway 41 Branch64410 Highway 41, Pearl River, LA 70452November 15, 2006Full Service Brick and Mortar
32466026L&B Hammond Loan Production Office14454 West University Avenue, Hammond, LA 70401July 30, 2007Limited Service Loan Production
33527647Mid City Branch4011 Canal Street, New Orleans, LA 70119January 03, 2012Full Service Brick and Mortar
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