National Bank of Commerce of Lake Charles in Lake Charles, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of April 30, 1994

  • National Bank of Commerce of Lake Charles in Lake Charles, Louisiana (LA)
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National Bank of Commerce of Lake Charles - Overview

  • General
  • FDIC Certificate #: 24364
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Louisiana, National Association (#4306)
    Federal Reserve ID: 45131
    Date Established: Febuary 21, 1983
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10047
    FDIC's unique #: 16957
    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: Febuary 21, 1983
    Last Structure Change Effective Date: April 30, 1994
    Last Structure Change Process Date: May 16, 1994
    Last Data Update: May 16, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 535 Kirby Street, Lake Charles, LA 70602
    County: Calcasieu
    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): Lake Charles, LA (#3960)
    Combined Statistical Area (CSA): Lake Charles-Jennings, LA (#324)
    Core Based Statistical Area (CBSA): Lake Charles, LA (#29340)
    CBSA Metro Statistical Area: Lake Charles, LA (#29340)
  • Financial Summary
  • Total assets: $86.2 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)
  • $73Total assets
  • $86,156Cash and due from depository institutions
  • $6,230Interest-bearing balances
  • $925Securities
  • $16,823Federal funds sold & reverse repurchase agreements
  • $3,725Net loans & leases
  • $55,313Loan loss allowance
  • $667Trading account assets
  • $0Bank premises and fixed assets
  • $2,873Other real estate owned
  • $255Goodwill and other intangibles
  • $937Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $86,156Total liabilities
  • $78,137Total deposits
  • $76,916Interest-bearing deposits
  • $61,871Deposits held in domestic offices
  • 76916.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $936Subordinated debt
  • $0All other liabilities
  • $285Total equity capital
  • $285Total bank equity capital
  • $8,019Perpetual preferred stock
  • $0Common stock
  • $2,206Surplus
  • $2,189Undivided profits
  • Memoranda
  • $3,624Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $573Income earned, not collected on loans
  • $499Earning assets
  • $76,786Long-term assets (5+ years)
  • $7,743Average Assets, year-to-date
  • $83,610Average Assets, quarterly
  • $85,489Volatile liabilities
  • $10,037Insider loans
  • $4,052FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $8,045Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $8,019Total risk weighted assets
  • $56,299Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,245Total interest expense
  • $1,884Net interest income
  • $4,361Provision for loan and lease losses
  • $180Total noninterest income
  • $885Fiduciary activities
  • $0Service charges on deposit accounts
  • $730Trading account gains & fees
  • $0Additional noninterest income
  • $155Total noninterest expense
  • $4,010Salaries and employee benefits
  • $1,912Premises and equipment expense
  • $510Additional noninterest expense
  • $1,588Pre-tax net operating income
  • $1,056Securities gains (losses)
  • $0Applicable income taxes
  • $250Income before extraordinary items
  • $806Extraordinary gains - net
  • $51Net income attributable to bank
  • $857Net charge-offs
  • $194Cash dividends
  • $73Sale, conversion, retirement of capital stock, net
  • $79Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.34%Cost of funding earning assets
  • 2.51%Net interest margin
  • 5.82%Noninterest income to earning assets
  • 1.18%Noninterest expense to earning assets
  • 5.35%Net operating income to assets
  • 0.96%Return on assets (ROA)
  • 1.02%Pretax return on assets
  • 1.32%Return on equity (ROE)
  • 11.36%Retained earnings to average equity (YTD only)
  • 10.39%Net charge-offs to loans
  • 0.35%Credit loss provision to net charge-offs
  • 92.78%Efficiency ratio
  • 76,439Assets per employee
  • 1.18%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 8.52%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 116.40%Noncurrent assets plus other real estate owned to assets
  • 0.96%Noncurrent loans to loans
  • 1.02%Net loans and leases to deposits
  • 71.91%Net loans and leases to core deposits
  • 81.56%Equity capital to assets
  • 9.31%Core capital (leverage) ratio
  • 9.23%Tier 1 risk-based capital ratio
  • 14.24%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $83,610Average earning assets
  • $7,547Average equity
  • $74,912Average loans

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