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

First National Bank of Benton - Overview

  • General
  • FDIC Certificate #: 25065
    Status: Active
    Federal Reserve ID: 47452
    Bank Holding Company (Regulatory Top Holder): Northwest Bancshares Corporation (RSSDID: 1982176, Location: Benton, LA)
    Date Established: March 26, 1984
    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: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 17351
    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: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: March 26, 1984
    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: 104 Sibley, Benton, LA 71006
    County: Bossier
    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
    Metropolitan Statistical Area (MSA): Shreveport-Bossier City, LA (#7680)
    Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
    Core Based Statistical Area (CBSA): Shreveport-Bossier City, LA (#43340)
    CBSA Metro Statistical Area: Shreveport-Bossier City, LA (#43340)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $54.7 mil
    Equity capital: $8.6 mil
    Deposits held in domestic offices: $43.6 mil
    Return on assets (ROA): 0.62% ($0.3 mil)
    Quarterly return on assets: 0.87% ($0.5 mil)
    Return on Equity (ROE): 4.19% ($0.4 mil)
    Quarterly return on equity: 5.66% ($0.5 mil)
    Net income: $0.4 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.90% ($492.0 mil)
    Quarterly Pretax return on assets: 1.32% ($721.6 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
  • 14Total employees (full-time equivalent)
  • $54,667Total assets
  • $18,246Cash and due from depository institutions
  • $17,020Interest-bearing balances
  • $15,779Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $20,267Net loans & leases
  • $577Loan loss allowance
  • $0Trading account assets
  • $39Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $54,667Life insurance assets
  • $336All other assets
  • $46,018Total liabilities and capital
  • $43,634Total liabilities
  • $31,726Total deposits
  • $43,634Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,000Trading liabilities
  • $0Other borrowed funds
  • $384Subordinated debt
  • $8,649All other liabilities
  • $8,649Total equity capital
  • $8,649Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $600Surplus
  • $7,449Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $318Income earned, not collected on loans
  • $0Earning assets
  • $210Long-term assets (5+ years)
  • $53,066Average Assets, year-to-date
  • $6,780Average Assets, quarterly
  • $56,830Volatile liabilities
  • $55,943Insider loans
  • $15,371FHLB advances
  • $55,334Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $8,218Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $2,245Restructured Loans and leases
  • $256Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,832Total interest income
  • $262Total interest expense
  • $1,570Net interest income
  • $0Provision for loan and lease losses
  • $246Total noninterest income
  • $0Fiduciary activities
  • $212Service charges on deposit accounts
  • $0Trading account gains & fees
  • $34Additional noninterest income
  • $1,304Total noninterest expense
  • $794Salaries and employee benefits
  • $71Premises and equipment expense
  • $439Additional noninterest expense
  • $512Pre-tax net operating income
  • $0Securities gains (losses)
  • $161Applicable income taxes
  • $351Income before extraordinary items
  • $0Extraordinary gains - net
  • $351Net income attributable to bank
  • $0Net charge-offs
  • $351Cash dividends
  • -$14Sale, conversion, retirement of capital stock, net
  • $90Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.43%Yield on earning assets
  • 0.49%Cost of funding earning assets
  • 2.94%Net interest margin
  • 0.46%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 0.62%Net operating income to assets
  • 0.62%Return on assets (ROA)
  • 0.90%Pretax return on assets
  • 4.19%Return on equity (ROE)
  • 3.12%Retained earnings to average equity (YTD only)
  • -0.07%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 71,806Assets per employee
  • 3.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 25.64%Loss allowance to loans
  • 2.77%Loss allowance to noncurrent loans
  • 181.45%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 1.53%Net loans and leases to deposits
  • 46.45%Net loans and leases to core deposits
  • 49.38%Equity capital to assets
  • 15.82%Core capital (leverage) ratio
  • 14.85%Tier 1 risk-based capital ratio
  • 53.46%Total risk-based capital ratio
  • Memoranda
  • $55Average assets
  • $56,830Average earning assets
  • $8,378Average equity
  • $53,406Average loans

List of branches

  • 1 Louisiana Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    017351First National Bank Of Benton104 Sibley, Benton, LA 71006March 26, 1984Full Service Brick and Mortar

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