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

First National Bank - Overview

  • General
  • FDIC Certificate #: 15059
    Status: Active
    Federal Reserve ID: 109659
    Bank Holding Company (Regulatory Top Holder): First North Louisiana Bancshares, Inc. (RSSDID: 1133400, Location: Arcadia, LA)
    Date Established: March 20, 1935
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 13513
    FDIC's unique #: 9445
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: March 20, 1935
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 1890 North Railroad Avenue, Arcadia, LA 71001
    County: Bienville
    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
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $190.3 mil
    Equity capital: $16.1 mil
    Deposits held in domestic offices: $163.7 mil
    Return on assets (ROA): 1.79% ($3.4 mil)
    Quarterly return on assets: 1.86% ($3.5 mil)
    Return on Equity (ROE): 21.46% ($3.4 mil)
    Quarterly return on equity: 21.71% ($3.5 mil)
    Net income: $3.5 mil
    Quarterly Net income: $0.9 mil
    Pretax return on assets: 1.79% ($3,405.8 mil)
    Quarterly Pretax return on assets: 1.86% ($3,538.9 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
  • 72Total employees (full-time equivalent)
  • $190,266Total assets
  • $9,553Cash and due from depository institutions
  • $7,183Interest-bearing balances
  • $7,321Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $153,702Net loans & leases
  • $1,702Loan loss allowance
  • $0Trading account assets
  • $11,647Bank premises and fixed assets
  • $1,400Other real estate owned
  • $138Goodwill and other intangibles
  • $190,266Life insurance assets
  • $6,505All other assets
  • $174,151Total liabilities and capital
  • $163,746Total liabilities
  • $124,174Total deposits
  • $163,746Interest-bearing deposits
  • $86Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $9,556Trading liabilities
  • $0Other borrowed funds
  • $849Subordinated debt
  • $16,115All other liabilities
  • $16,115Total equity capital
  • $16,115Total bank equity capital
  • $0Perpetual preferred stock
  • $338Common stock
  • $6,727Surplus
  • $9,050Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,071Income earned, not collected on loans
  • $52Earning assets
  • $825Long-term assets (5+ years)
  • $168,206Average Assets, year-to-date
  • $22,874Average Assets, quarterly
  • $193,010Volatile liabilities
  • $190,356Insider loans
  • $145,558FHLB advances
  • $189,848Loans and leases held for sale
  • $3,957Unused loan commitments
  • $3,957Tier 1 (core) risk-based capital
  • $15,885Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,052Restructured Loans and leases
  • $5,028Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,597Total interest income
  • $1,425Total interest expense
  • $10,172Net interest income
  • $165Provision for loan and lease losses
  • $1,873Total noninterest income
  • $0Fiduciary activities
  • $1,295Service charges on deposit accounts
  • $0Trading account gains & fees
  • $578Additional noninterest income
  • $8,473Total noninterest expense
  • $4,389Salaries and employee benefits
  • $1,584Premises and equipment expense
  • $2,500Additional noninterest expense
  • $3,407Pre-tax net operating income
  • $52Securities gains (losses)
  • $0Applicable income taxes
  • $3,459Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,459Net income attributable to bank
  • $0Net charge-offs
  • $3,459Cash dividends
  • $242Sale, conversion, retirement of capital stock, net
  • $3,309Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.83%Yield on earning assets
  • 0.84%Cost of funding earning assets
  • 5.99%Net interest margin
  • 1.10%Noninterest income to earning assets
  • 4.99%Noninterest expense to earning assets
  • 1.77%Net operating income to assets
  • 1.79%Return on assets (ROA)
  • 1.79%Pretax return on assets
  • 21.46%Return on equity (ROE)
  • 0.93%Retained earnings to average equity (YTD only)
  • 0.16%Net charge-offs to loans
  • 68.18%Credit loss provision to net charge-offs
  • 14.76%Efficiency ratio
  • 70,345Assets per employee
  • 2.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 95.66%Loss allowance to loans
  • 1.10%Loss allowance to noncurrent loans
  • 158.92%Noncurrent assets plus other real estate owned to assets
  • 1.30%Noncurrent loans to loans
  • 0.69%Net loans and leases to deposits
  • 93.87%Net loans and leases to core deposits
  • 105.41%Equity capital to assets
  • 8.47%Core capital (leverage) ratio
  • 8.37%Tier 1 risk-based capital ratio
  • 10.91%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $193,010Average earning assets
  • $16,122Average equity
  • $169,752Average loans

List of branches

  • 8 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    09445First National Bank1890 North Railroad Avenue, Arcadia, LA 71001March 20, 1935Full Service Brick and Mortar
    216174Farmerville Branch310 East Water, Farmerville, LA 71241March 26, 1980Full Service Brick and Mortar
    3361350Ruston Downtown Branch212 W Alabama Ave, Ruston, LA 71270June 12, 2000Full Service Brick and Mortar
    4364411Www.Theuncommonbank.com1890 North Railroad Avenue, Arcadia, LA 71001July 01, 2001Full Service Cyber
    5445305Ruston Toma Lodge Branch2001 North Trenton, Ruston, LA 71270July 11, 2005Full Service Brick and Mortar
    6465801West Monroe Cypress St Branch3510 Cypress Street, West Monroe, LA 71291May 15, 2007Full Service Brick and Mortar
    749299033 Branch2201 Farmerville Highway, Ruston, LA 71270November 03, 2008Full Service Brick and Mortar
    8520273First National Bank Messenger Servic2001 North Trenton Street, Ruston, LA 71270May 25, 2011Limited Service Messenger

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