First National Bank in DeRidder in De Ridder, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank in DeRidder - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 60Total employees (full-time equivalent)
  • $178,238Total assets
  • $17,091Cash and due from depository institutions
  • $13,458Interest-bearing balances
  • $56,237Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $95,747Net loans & leases
  • $1,591Loan loss allowance
  • $0Trading account assets
  • $4,936Bank premises and fixed assets
  • $429Other real estate owned
  • $0Goodwill and other intangibles
  • $178,238Life insurance assets
  • $3,798All other assets
  • $152,694Total liabilities and capital
  • $146,427Total liabilities
  • $112,356Total deposits
  • $146,427Interest-bearing deposits
  • $77Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,338Trading liabilities
  • $0Other borrowed funds
  • $3,929Subordinated debt
  • $25,544All other liabilities
  • $25,544Total equity capital
  • $25,544Total bank equity capital
  • $0Perpetual preferred stock
  • $1,735Common stock
  • $2,000Surplus
  • $21,809Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,993Income earned, not collected on loans
  • $0Earning assets
  • $968Long-term assets (5+ years)
  • $165,442Average Assets, year-to-date
  • $33,515Average Assets, quarterly
  • $176,580Volatile liabilities
  • $173,602Insider loans
  • $95,325FHLB advances
  • $170,713Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $25,205Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,224Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,573Total interest income
  • $888Total interest expense
  • $7,685Net interest income
  • $400Provision for loan and lease losses
  • $1,477Total noninterest income
  • $0Fiduciary activities
  • $680Service charges on deposit accounts
  • $0Trading account gains & fees
  • $797Additional noninterest income
  • $5,455Total noninterest expense
  • $2,869Salaries and employee benefits
  • $560Premises and equipment expense
  • $2,026Additional noninterest expense
  • $3,307Pre-tax net operating income
  • $0Securities gains (losses)
  • $648Applicable income taxes
  • $2,659Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,659Net income attributable to bank
  • $0Net charge-offs
  • $2,659Cash dividends
  • $395Sale, conversion, retirement of capital stock, net
  • $1,736Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.16%Yield on earning assets
  • 0.53%Cost of funding earning assets
  • 4.63%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.28%Noninterest expense to earning assets
  • 1.51%Net operating income to assets
  • 1.51%Return on assets (ROA)
  • 1.87%Pretax return on assets
  • 10.67%Return on equity (ROE)
  • 3.70%Retained earnings to average equity (YTD only)
  • 0.40%Net charge-offs to loans
  • 101.27%Credit loss provision to net charge-offs
  • 9.38%Efficiency ratio
  • 59,539Assets per employee
  • 2.97%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 65.29%Loss allowance to loans
  • 1.63%Loss allowance to noncurrent loans
  • 79.83%Noncurrent assets plus other real estate owned to assets
  • 1.36%Noncurrent loans to loans
  • 2.05%Net loans and leases to deposits
  • 65.39%Net loans and leases to core deposits
  • 69.20%Equity capital to assets
  • 14.33%Core capital (leverage) ratio
  • 14.76%Tier 1 risk-based capital ratio
  • 26.44%Total risk-based capital ratio
  • Memoranda
  • $28Average assets
  • $176,580Average earning assets
  • $24,917Average equity
  • $166,102Average loans

List of branches

  • 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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