First State Bank and Trust Company in Franklinton, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of December 31, 1994

  • First State Bank and Trust Company in Franklinton, Louisiana (LA)
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First State Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 8530
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Capital One, National Association (#4297)
    Federal Reserve ID: 680439
    Date Established: January 01, 1907
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 8 (Interstate: No)
    FDIC's unique #: 5438
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: December 31, 1994
    Last Structure Change Process Date: January 25, 1995
    Last Data Update: January 25, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 946 Pearl Street, Franklinton, LA 70438
    County: Washington
    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
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): Bogalusa, LA (#14220)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $149.0 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)
  • $75Total assets
  • $146,821Cash and due from depository institutions
  • $6,277Interest-bearing balances
  • $0Securities
  • $85,350Federal funds sold & reverse repurchase agreements
  • $2,550Net loans & leases
  • $47,982Loan loss allowance
  • $1,230Trading account assets
  • $0Bank premises and fixed assets
  • $1,643Other real estate owned
  • $1,378Goodwill and other intangibles
  • $1,641Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $146,821Total liabilities
  • $127,389Total deposits
  • $126,691Interest-bearing deposits
  • $106,614Deposits held in domestic offices
  • 126691.00%% insured (estimated)
  • $89Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $698Total equity capital
  • $698Total bank equity capital
  • $19,432Perpetual preferred stock
  • $0Common stock
  • $1,000Surplus
  • $8,000Undivided profits
  • Memoranda
  • $10,432Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,175Income earned, not collected on loans
  • $407Earning assets
  • $135,882Long-term assets (5+ years)
  • $1,018Average Assets, year-to-date
  • $147,538Average Assets, quarterly
  • $146,968Volatile liabilities
  • $9,876Insider loans
  • $500FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,577Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $19,432Total risk weighted assets
  • $58,004Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,865Total interest expense
  • $3,695Net interest income
  • $6,170Provision for loan and lease losses
  • $364Total noninterest income
  • $1,245Fiduciary activities
  • $4Service charges on deposit accounts
  • $700Trading account gains & fees
  • $0Additional noninterest income
  • $541Total noninterest expense
  • $4,040Salaries and employee benefits
  • $2,047Premises and equipment expense
  • $973Additional noninterest expense
  • $1,020Pre-tax net operating income
  • $3,011Securities gains (losses)
  • $0Applicable income taxes
  • $1,031Income before extraordinary items
  • $1,980Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,980Net charge-offs
  • $428Cash dividends
  • $100Sale, 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
  • 7.26%Cost of funding earning assets
  • 2.72%Net interest margin
  • 4.54%Noninterest income to earning assets
  • 0.92%Noninterest expense to earning assets
  • 2.97%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 2.04%Return on equity (ROE)
  • 10.76%Retained earnings to average equity (YTD only)
  • 10.22%Net charge-offs to loans
  • 0.91%Credit loss provision to net charge-offs
  • 85.05%Efficiency ratio
  • 54,484Assets per employee
  • 1.96%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 5.05%Loss allowance to loans
  • 2.50%Loss allowance to noncurrent loans
  • 104.68%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.39%Net loans and leases to deposits
  • 37.87%Net loans and leases to core deposits
  • 41.08%Equity capital to assets
  • 13.24%Core capital (leverage) ratio
  • 13.14%Tier 1 risk-based capital ratio
  • 33.50%Total risk-based capital ratio
  • Memoranda
  • $35Average assets
  • $147,538Average earning assets
  • $18,397Average equity
  • $135,835Average loans

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