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


  • First National Bank USA in Boutte, Louisiana (LA)
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First National Bank USA - Overview

  • General
  • FDIC Certificate #: 22046
    Status: Active
    Federal Reserve ID: 714839
    Bank Holding Company (Regulatory Top Holder): First St. Charles Bancshares, Inc. (RSSDID: 1140190, Location: Boutte, LA)
    Date Established: June 23, 1975
    WWW: http://www.fnbusa.com
    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: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 10367
    FDIC's unique #: 15298
    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: June 23, 1975
    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: 13386 Hwy 90, Boutte, LA 70039
    County: St. Charles
    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
  • Change in Location
    Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $144.6 mil
    Equity capital: $15.9 mil
    Deposits held in domestic offices: $117.2 mil
    Return on assets (ROA): 0.27% ($0.4 mil)
    Quarterly return on assets: 0.42% ($0.6 mil)
    Return on Equity (ROE): 2.62% ($0.4 mil)
    Quarterly return on equity: 3.81% ($0.6 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.27% ($390.6 mil)
    Quarterly Pretax return on assets: 0.42% ($607.5 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
  • 46Total employees (full-time equivalent)
  • $144,649Total assets
  • $21,306Cash and due from depository institutions
  • $19,942Interest-bearing balances
  • $1,250Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $105,280Net loans & leases
  • $3,083Loan loss allowance
  • $0Trading account assets
  • $5,604Bank premises and fixed assets
  • $7,370Other real estate owned
  • $0Goodwill and other intangibles
  • $144,649Life insurance assets
  • $3,839All other assets
  • $128,734Total liabilities and capital
  • $117,206Total liabilities
  • $98,082Total deposits
  • $117,206Interest-bearing deposits
  • $90Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $11,051Trading liabilities
  • $0Other borrowed funds
  • $477Subordinated debt
  • $15,915All other liabilities
  • $15,915Total equity capital
  • $15,915Total bank equity capital
  • $0Perpetual preferred stock
  • $478Common stock
  • $9,598Surplus
  • $5,839Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $873Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,740Income earned, not collected on loans
  • $0Earning assets
  • $496Long-term assets (5+ years)
  • $126,472Average Assets, year-to-date
  • $2,563Average Assets, quarterly
  • $150,622Volatile liabilities
  • $143,020Insider loans
  • $99,514FHLB advances
  • $144,229Loans and leases held for sale
  • $521Unused loan commitments
  • $521Tier 1 (core) risk-based capital
  • $15,915Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $9,809Restructured Loans and leases
  • $264Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,564Total interest income
  • $2,070Total interest expense
  • $5,494Net interest income
  • $0Provision for loan and lease losses
  • $1,520Total noninterest income
  • $0Fiduciary activities
  • $415Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,105Additional noninterest income
  • $6,602Total noninterest expense
  • $2,315Salaries and employee benefits
  • $709Premises and equipment expense
  • $3,578Additional noninterest expense
  • $412Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $412Income before extraordinary items
  • $0Extraordinary gains - net
  • $412Net income attributable to bank
  • $0Net charge-offs
  • $412Cash dividends
  • $276Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.75%Yield on earning assets
  • 1.57%Cost of funding earning assets
  • 4.17%Net interest margin
  • 1.15%Noninterest income to earning assets
  • 5.02%Noninterest expense to earning assets
  • 0.27%Net operating income to assets
  • 0.27%Return on assets (ROA)
  • 0.27%Pretax return on assets
  • 2.62%Return on equity (ROE)
  • 2.62%Retained earnings to average equity (YTD only)
  • 0.25%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 1.49%Efficiency ratio
  • 94,126Assets per employee
  • 3.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 2.85%Loss allowance to noncurrent loans
  • 45.74%Noncurrent assets plus other real estate owned to assets
  • 9.75%Noncurrent loans to loans
  • 6.22%Net loans and leases to deposits
  • 89.82%Net loans and leases to core deposits
  • 92.90%Equity capital to assets
  • 11.00%Core capital (leverage) ratio
  • 11.03%Tier 1 risk-based capital ratio
  • 15.99%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $150,622Average earning assets
  • $15,723Average equity
  • $131,630Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015298First National Bank Usa13386 Hwy 90, Boutte, LA 70039June 23, 1975Full Service Brick and Mortar
    1253956Norco Branch590 Apple Street, Norco, LA 70079April 01, 1984Full Service Brick and Mortar
    2334429The La Place Branch369 Belle Terre Boulevard, La Place, LA 70068May 01, 2000Full Service Brick and Mortar

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