First NBC Bank in New Orleans, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First NBC Bank - Overview

  • General
  • FDIC 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
    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
  • Location
  • Address: 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 Changes
  • Participated in FDIC Assisted Absorption/Consolidation/Merger
  • Financial Summary
  • Total 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
  • 403Total employees (full-time equivalent)
  • $2,218,689Total assets
  • $65,006Cash and due from depository institutions
  • $32,188Interest-bearing balances
  • $326,490Securities
  • $2,934Federal funds sold & reverse repurchase agreements
  • $1,649,416Net loans & leases
  • $18,122Loan loss allowance
  • $0Trading account assets
  • $31,122Bank premises and fixed assets
  • $7,991Other real estate owned
  • $3,233Goodwill and other intangibles
  • $2,218,689Life insurance assets
  • $132,497All other assets
  • $1,996,117Total liabilities and capital
  • $1,904,123Total liabilities
  • $1,806,377Total deposits
  • $1,904,123Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 17976.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $56,515Trading liabilities
  • $0Other borrowed funds
  • $17,503Subordinated debt
  • $222,572All other liabilities
  • $222,569Total equity capital
  • $222,569Total bank equity capital
  • $1,644Perpetual preferred stock
  • $11,019Common stock
  • $174,729Surplus
  • $35,177Undivided profits
  • Memoranda
  • $3Noncurrent loans and leases
  • $25,361Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $9,017Income earned, not collected on loans
  • $58Earning assets
  • $7,715Long-term assets (5+ years)
  • $2,011,028Average Assets, year-to-date
  • $340,422Average Assets, quarterly
  • $1,729,520Volatile liabilities
  • $1,997,598Insider loans
  • $1,816,446FHLB advances
  • $2,041,372Loans and leases held for sale
  • $24,757Unused loan commitments
  • $7,892Tier 1 (core) risk-based capital
  • $217,542Tier 2 risk-based capital
  • $5,859Total risk weighted assets
  • $11,006Total unused commitments
  • $195,732Restructured Loans and leases
  • $17,358Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $79,026Total interest income
  • $26,258Total interest expense
  • $52,768Net interest income
  • $8,010Provision for loan and lease losses
  • $3,229Total noninterest income
  • $120Fiduciary activities
  • $1,537Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,572Additional noninterest income
  • $36,774Total noninterest expense
  • $14,050Salaries and employee benefits
  • $6,507Premises and equipment expense
  • $16,217Additional noninterest expense
  • $11,213Pre-tax net operating income
  • $485Securities gains (losses)
  • -$8,774Applicable income taxes
  • $20,472Income before extraordinary items
  • $0Extraordinary gains - net
  • $20,164Net income attributable to bank
  • $308Net charge-offs
  • $20,472Cash dividends
  • $2,398Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.02%Yield on earning assets
  • 1.67%Cost of funding earning assets
  • 3.35%Net interest margin
  • 0.21%Noninterest income to earning assets
  • 2.34%Noninterest expense to earning assets
  • 1.16%Net operating income to assets
  • 1.17%Return on assets (ROA)
  • 0.66%Pretax return on assets
  • 11.36%Return on equity (ROE)
  • 11.36%Retained earnings to average equity (YTD only)
  • 0.18%Net charge-offs to loans
  • 334.03%Credit loss provision to net charge-offs
  • 8.02%Efficiency ratio
  • 65,671Assets per employee
  • 5.51%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.09%Loss allowance to noncurrent loans
  • 200.98%Noncurrent assets plus other real estate owned to assets
  • 0.77%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 86.62%Net loans and leases to core deposits
  • 96.01%Equity capital to assets
  • 10.03%Core capital (leverage) ratio
  • 10.66%Tier 1 risk-based capital ratio
  • 11.98%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $1,729,520Average earning assets
  • $177,441Average equity
  • $1,573,612Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $28,735Managed Assets
  • 1Number of Accounts
  • $28,735Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $4,316Other retirement accounts
  • $0Corporate trust and agency accounts
  • $24,419Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 3Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices

List of branches

  • 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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