First National Bank in DeRidder in De Ridder, Louisiana (LA)

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First National Bank in DeRidder routing number info

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First National Bank in DeRidder
GeneralFDIC Certificate #: 14427
Status: Active
Federal Reserve ID: 480433
Date Established: January 01, 1934
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: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 9017
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: No
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
Date of Deposit Insurance: June 02, 1934
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
LocationAddress: 131 North Washington Avenue, De Ridder, LA 70634
County: Beauregard
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
Combined Statistical Area (CSA): Fort Polk South-DeRidder, LA (#256)
Core Based Statistical Area (CBSA): DeRidder, LA (#19760)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $178.2 mil
Equity capital: $25.5 mil
Deposits held in domestic offices: $146.4 mil
Return on assets (ROA): 1.51% ($2.7 mil)
Quarterly return on assets: 1.58% ($2.8 mil)
Return on Equity (ROE): 10.67% ($2.8 mil)
Quarterly return on equity: 10.71% ($2.8 mil)
Net income: $2.7 mil
Quarterly Net income: $0.7 mil
Pretax return on assets: 1.87% ($3,333.1 mil)
Quarterly Pretax return on assets: 1.69% ($3,012.2 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)
Total employees (full-time equivalent)60
Total assets$178,238
Cash and due from depository institutions$17,091
Interest-bearing balances$13,458
Federal funds sold & reverse repurchase agreements$0
Net loans & leases$95,747
Loan loss allowance $1,591
Trading account assets$0
Bank premises and fixed assets$4,936
Other real estate owned$429
Goodwill and other intangibles$0
All other assets$3,798
Life insurance assets$178,238
Total liabilities and capital$152,694
Total liabilities$146,427
Total deposits$112,356
Interest-bearing deposits$146,427
Deposits held in domestic offices$77
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$2,338
Other borrowed funds $0
Subordinated debt $3,929
All other liabilities $25,544
Total equity capital$25,544
Total bank equity capital$25,544
Perpetual preferred stock$0
Common stock$1,735
Undivided profits $21,809
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,993
Earning assets $0
Long-term assets (5+ years) $968
Average Assets, year-to-date $165,442
Average Assets, quarterly $33,515
Volatile liabilities $176,580
Insider loans $173,602
FHLB advances $95,325
Loans and leases held for sale $170,713
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $25,205
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $5,224
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,573
Total interest expense $888
Net interest income $7,685
Provision for loan and lease losses $400
Total noninterest income $1,477
Fiduciary activities $0
Service charges on deposit accounts $680
Trading account gains & fees $0
Additional noninterest income $797
Total noninterest expense $5,455
Salaries and employee benefits $2,869
Premises and equipment expense $560
Additional noninterest expense $2,026
Pre-tax net operating income $3,307
Securities gains (losses) $0
Applicable income taxes $648
Income before extraordinary items $2,659
Extraordinary gains - net $0
Net income attributable to bank $2,659
Net charge-offs $0
Cash dividends $2,659
Sale, conversion, retirement of capital stock, net $395
Net operating income $1,736
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.16%
Cost of funding earning assets 0.53%
Net interest margin 4.63%
Noninterest income to earning assets 0.89%
Noninterest expense to earning assets 3.28%
Net operating income to assets 1.51%
Return on assets (ROA) 1.51%
Pretax return on assets 1.87%
Return on equity (ROE) 10.67%
Retained earnings to average equity (YTD only) 3.70%
Net charge-offs to loans 0.40%
Credit loss provision to net charge-offs 101.27%
Efficiency ratio9.38%
Assets per employee$59,539
Cash dividends to net income (YTD only)2.97%
Condition Ratios (%)
Loss allowance to loans 65.29%
Loss allowance to noncurrent loans 1.63%
Noncurrent assets plus other real estate owned to assets 79.83%
Noncurrent loans to loans 1.36%
Net loans and leases to deposits2.05%
Net loans and leases to core deposits 65.39%
Equity capital to assets 69.20%
Core capital (leverage) ratio 14.33%
Tier 1 risk-based capital ratio 14.76%
Total risk-based capital ratio 26.44%
Average assets$28
Average earning assets$176,580
Average equity $24,917
Average loans $166,102
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4 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
09017First National Bank In Deridder131 North Washington Avenue, De Ridder, LA 70634January 01, 1934Full Service Brick and Mortar
1231439East Side Branch1005 Mahlon Street, De Ridder, LA 70634October 21, 1968Full Service Brick and Mortar
2231440Park Terrace BranchHighway 171 North, De Ridder, LA 70634October 18, 1969Full Service Brick and Mortar
3231441Westside Branch105 Smith Street, De Ridder, LA 70634December 13, 1999Full Service Brick and Mortar
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