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

This bank is inactive as of August 01, 1994

  • First National Bank of West Monroe in West Monroe, Louisiana (LA)
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First National Bank of West Monroe - Overview

  • General
  • FDIC Certificate #: 17227
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Capital One, National Association (#4297)
    Federal Reserve ID: 768056
    Date Established: May 16, 1953
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Interstate: No)
    OTS Docket #: 10366
    FDIC's unique #: 11254
    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: May 16, 1953
    Last Structure Change Effective Date: August 01, 1994
    Last Structure Change Process Date: August 15, 1994
    Last Data Update: August 15, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 500 Natchitoches, West Monroe, LA 71291
    County: Ouachita
    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): Monroe, LA (#5200)
    Combined Statistical Area (CSA): Monroe-Bastrop, LA (#384)
    Core Based Statistical Area (CBSA): Monroe, LA (#33740)
    CBSA Metro Statistical Area: Monroe, LA (#33740)
  • Financial Summary
  • Total assets: $155.7 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $85Total assets
  • $158,820Cash and due from depository institutions
  • $9,050Interest-bearing balances
  • $1,077Securities
  • $60,887Federal funds sold & reverse repurchase agreements
  • $8,000Net loans & leases
  • $77,736Loan loss allowance
  • $1,038Trading account assets
  • $0Bank premises and fixed assets
  • $1,545Other real estate owned
  • $106Goodwill and other intangibles
  • $1,496Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $158,820Total liabilities
  • $145,905Total deposits
  • $139,359Interest-bearing deposits
  • $113,822Deposits held in domestic offices
  • 139359.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $1,881Trading liabilities
  • $0Other borrowed funds
  • $3,861Subordinated debt
  • $0All other liabilities
  • $804Total equity capital
  • $804Total bank equity capital
  • $12,915Perpetual preferred stock
  • $0Common stock
  • $2,421Surplus
  • $3,063Undivided profits
  • Memoranda
  • $7,431Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,038Income earned, not collected on loans
  • $506Earning assets
  • $147,700Long-term assets (5+ years)
  • $15,589Average Assets, year-to-date
  • $157,185Average Assets, quarterly
  • $160,468Volatile liabilities
  • $16,088Insider loans
  • $1,521FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $13,322Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,915Total risk weighted assets
  • $96,219Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,472Total interest expense
  • $3,983Net interest income
  • $7,489Provision for loan and lease losses
  • -$235Total noninterest income
  • $1,427Fiduciary activities
  • $7Service charges on deposit accounts
  • $754Trading account gains & fees
  • $0Additional noninterest income
  • $666Total noninterest expense
  • $5,591Salaries and employee benefits
  • $2,956Premises and equipment expense
  • $872Additional noninterest expense
  • $1,763Pre-tax net operating income
  • $3,560Securities gains (losses)
  • $76Applicable income taxes
  • $1,086Income before extraordinary items
  • $2,550Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,550Net charge-offs
  • $711Cash dividends
  • $2,490Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.92%Cost of funding earning assets
  • 2.75%Net interest margin
  • 5.17%Noninterest income to earning assets
  • 0.98%Noninterest expense to earning assets
  • 3.86%Net operating income to assets
  • 1.59%Return on assets (ROA)
  • 1.62%Pretax return on assets
  • 2.31%Return on equity (ROE)
  • 19.78%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 0.93%Credit loss provision to net charge-offs
  • -33.05%Efficiency ratio
  • 62,707Assets per employee
  • 1.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.65%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 100.00%Noncurrent assets plus other real estate owned to assets
  • 0.72%Noncurrent loans to loans
  • 1.32%Net loans and leases to deposits
  • 55.78%Net loans and leases to core deposits
  • 60.25%Equity capital to assets
  • 8.13%Core capital (leverage) ratio
  • 8.08%Tier 1 risk-based capital ratio
  • 13.42%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $157,185Average earning assets
  • $12,892Average equity
  • $144,920Average loans

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