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


First National Bank of Louisiana - Overview

  • General
  • FDIC Certificate #: 4288
    Status: Active
    Federal Reserve ID: 575834
    Bank Holding Company (Regulatory Top Holder): Financial Corporation Of Louisiana (RSSDID: 2227182, Location: Crowley, LA)
    Date Established: January 01, 1924
    WWW: http://www.fnb-la.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: 5 (Domestic: 5, Interstate: No)
    FDIC's unique #: 2809
    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: January 01, 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: 128 North Parkerson Avenue, Crowley, LA 70526
    County: Acadia
    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): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Crowley, LA (#18940)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $271.0 mil
    Equity capital: $23.6 mil
    Deposits held in domestic offices: $245.7 mil
    Return on assets (ROA): 1.54% ($4.2 mil)
    Quarterly return on assets: 1.65% ($4.5 mil)
    Return on Equity (ROE): 18.04% ($4.3 mil)
    Quarterly return on equity: 18.69% ($4.5 mil)
    Net income: $4.0 mil
    Quarterly Net income: $1.1 mil
    Pretax return on assets: 1.54% ($4,173.4 mil)
    Quarterly Pretax return on assets: 1.65% ($4,471.5 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
  • 69Total employees (full-time equivalent)
  • $271,000Total assets
  • $23,009Cash and due from depository institutions
  • $15,738Interest-bearing balances
  • $74,290Securities
  • $5,016Federal funds sold & reverse repurchase agreements
  • $157,674Net loans & leases
  • $1,784Loan loss allowance
  • $0Trading account assets
  • $5,147Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $271,000Life insurance assets
  • $5,864All other assets
  • $247,446Total liabilities and capital
  • $245,706Total liabilities
  • $175,544Total deposits
  • $245,706Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,740Subordinated debt
  • $23,554All other liabilities
  • $23,554Total equity capital
  • $23,554Total bank equity capital
  • $0Perpetual preferred stock
  • $1,420Common stock
  • $1,420Surplus
  • $20,714Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,255Income earned, not collected on loans
  • $0Earning assets
  • $906Long-term assets (5+ years)
  • $252,718Average Assets, year-to-date
  • $45,313Average Assets, quarterly
  • $258,371Volatile liabilities
  • $264,357Insider loans
  • $160,144FHLB advances
  • $263,377Loans and leases held for sale
  • $3,134Unused loan commitments
  • $3,134Tier 1 (core) risk-based capital
  • $22,935Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $49,754Restructured Loans and leases
  • $1,309Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $11,276Total interest income
  • $1,394Total interest expense
  • $9,882Net interest income
  • $220Provision for loan and lease losses
  • $2,143Total noninterest income
  • $0Fiduciary activities
  • $1,205Service charges on deposit accounts
  • $0Trading account gains & fees
  • $938Additional noninterest income
  • $7,826Total noninterest expense
  • $4,583Salaries and employee benefits
  • $1,031Premises and equipment expense
  • $2,212Additional noninterest expense
  • $3,979Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $3,979Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,979Net income attributable to bank
  • $0Net charge-offs
  • $3,979Cash dividends
  • $426Sale, conversion, retirement of capital stock, net
  • $1,807Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.67%Yield on earning assets
  • 0.58%Cost of funding earning assets
  • 4.09%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 3.24%Noninterest expense to earning assets
  • 1.54%Net operating income to assets
  • 1.54%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 18.04%Return on equity (ROE)
  • 9.85%Retained earnings to average equity (YTD only)
  • 0.27%Net charge-offs to loans
  • 51.64%Credit loss provision to net charge-offs
  • 9.86%Efficiency ratio
  • 65,081Assets per employee
  • 3.93%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.41%Loss allowance to loans
  • 1.12%Loss allowance to noncurrent loans
  • 142.15%Noncurrent assets plus other real estate owned to assets
  • 0.46%Noncurrent loans to loans
  • 0.79%Net loans and leases to deposits
  • 64.17%Net loans and leases to core deposits
  • 66.72%Equity capital to assets
  • 8.69%Core capital (leverage) ratio
  • 8.71%Tier 1 risk-based capital ratio
  • 14.32%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $258,371Average earning assets
  • $22,052Average equity
  • $241,342Average loans

List of branches

  • 5 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    02809First National Bank Of Louisiana128 North Parkerson Avenue, Crowley, LA 70526January 01, 1924Full Service Brick and Mortar
    1202659Lake Charles Branch551 West Prien Lake Road, Lake Charles, LA 70601August 28, 1995Full Service Brick and Mortar
    2202660Crowley North City Branch1941 North Parkerson Avenue, Crowley, LA 70526December 18, 1996Full Service Brick and Mortar
    3357968Lafayette Branch1300 Camelia Boulevard, Lafayette, LA 70508Febuary 01, 2000Full Service Brick and Mortar
    4419421Sulphur Branch3201 Maplewood Dr, Sulphur, LA 70663June 16, 2003Full Service Brick and Mortar

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