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

This bank is inactive as of August 16, 1996

  • First National Bank of Denham Springs in Denham Springs, Louisiana (LA)
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First National Bank of Denham Springs - Overview

  • General
  • FDIC Certificate #: 19156
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Whitney Bank (#33029)
    Federal Reserve ID: 391333
    Date Established: June 27, 1964
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 7 (Interstate: No)
    FDIC's unique #: 12981
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: June 27, 1964
    Last Structure Change Effective Date: August 16, 1996
    Last Structure Change Process Date: September 25, 1996
    Last Data Update: September 25, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 523 Florida Avenue, S.W., Denham Springs, LA 70726
    County: Livingston
    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): Baton Rouge, LA (#760)
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • Financial Summary
  • Total assets: $137.9 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $97Total assets
  • $129,538Cash and due from depository institutions
  • $7,466Interest-bearing balances
  • $0Securities
  • $18,379Federal funds sold & reverse repurchase agreements
  • $6,025Net loans & leases
  • $77,971Loan loss allowance
  • $1,285Trading account assets
  • $0Bank premises and fixed assets
  • $3,471Other real estate owned
  • $176Goodwill and other intangibles
  • $1,323Life insurance assets
  • $14,727All other assets
  • $0Total liabilities and capital
  • $129,538Total liabilities
  • $105,249Total deposits
  • $104,707Interest-bearing deposits
  • $72,874Deposits held in domestic offices
  • 104707.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $542Total equity capital
  • $542Total bank equity capital
  • $24,289Perpetual preferred stock
  • $0Common stock
  • $424Surplus
  • $22,666Undivided profits
  • Memoranda
  • $1,199Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,296Income earned, not collected on loans
  • $578Earning assets
  • $102,375Long-term assets (5+ years)
  • $11,226Average Assets, year-to-date
  • $123,489Average Assets, quarterly
  • $127,943Volatile liabilities
  • $5,059Insider loans
  • $511FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,186Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $9,506Total risk weighted assets
  • $80,587Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,389Total interest expense
  • $2,252Net interest income
  • $7,137Provision for loan and lease losses
  • $487Total noninterest income
  • $2,711Fiduciary activities
  • $0Service charges on deposit accounts
  • $2,220Trading account gains & fees
  • $0Additional noninterest income
  • $491Total noninterest expense
  • $6,671Salaries and employee benefits
  • $2,803Premises and equipment expense
  • $818Additional noninterest expense
  • $3,050Pre-tax net operating income
  • $2,690Securities gains (losses)
  • -$21Applicable income taxes
  • $1,295Income before extraordinary items
  • $1,374Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,374Net charge-offs
  • $339Cash dividends
  • $194Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.51%Cost of funding earning assets
  • 2.28%Net interest margin
  • 7.23%Noninterest income to earning assets
  • 2.75%Noninterest expense to earning assets
  • 6.76%Net operating income to assets
  • 1.12%Return on assets (ROA)
  • 1.11%Pretax return on assets
  • 2.16%Return on equity (ROE)
  • 6.68%Retained earnings to average equity (YTD only)
  • 5.74%Net charge-offs to loans
  • 0.44%Credit loss provision to net charge-offs
  • 143.66%Efficiency ratio
  • 57,575Assets per employee
  • 1.34%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 14.12%Loss allowance to loans
  • 1.62%Loss allowance to noncurrent loans
  • 99.15%Noncurrent assets plus other real estate owned to assets
  • 1.14%Noncurrent loans to loans
  • 1.64%Net loans and leases to deposits
  • 74.47%Net loans and leases to core deposits
  • 78.25%Equity capital to assets
  • 18.75%Core capital (leverage) ratio
  • 8.38%Tier 1 risk-based capital ratio
  • 11.80%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $123,489Average earning assets
  • $20,558Average equity
  • $98,741Average loans

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