FDIC Certificate #: 17562 Status: Inactive Closing history: Merger - Without Assistance Acquiring institution:IBERIABANK fsb (#33538) Federal Reserve ID: 1146 Date Established: March 17, 1956 WWW:http://www.pulaskibank.com Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB) Offices: 13 (Interstate: No) OTS Docket #: 8980 FDIC's unique #: 11536 Numeric code: 13 Regulator: FED Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes State Chartered: Yes Date of Deposit Insurance: March 17, 1956 Last Structure Change Effective Date: April 23, 2007 Last Structure Change Process Date: April 30, 2007 Last Data Update: April 30, 2007 Data Source Date: April 05, 2012
Location
Address: 5800 R Street, Little Rock, AR 72207 County: Pulaski Quarterly Banking Profile Region: Dallas FDIC Geographic Region: Dallas FDIC Supervisory Region: Dallas FDIC Field Office: Little Rock Office of the Comptroller the Currency (OCC) District: Southwest Office of Thrift Supervision Region: Western Metropolitan Statistical Area (MSA): Little Rock-North Little Rock, AR (#4400) Combined Statistical Area (CSA): Little Rock-North Little Rock-Pine Bluff, AR (#340) Core Based Statistical Area (CBSA): Little Rock-North Little Rock-Conway, AR (#30780) CBSA Metro Statistical Area: Little Rock-North Little Rock-Conway, AR (#30780)
Financial Summary
Total assets: $630.4 mil
1992 - 1999 Historical total assets, liabilities and capital ($ 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, 2006)
Dollar figures in thousands
515Total employees (full-time equivalent)
$499,416Total assets
$18,657Cash and due from depository institutions
$207Interest-bearing balances
$48,921Securities
$0Federal funds sold & reverse repurchase agreements
$391,721Net loans & leases
$4,711Loan loss allowance
$0Trading account assets
$24,249Bank premises and fixed assets
$572Other real estate owned
$675Goodwill and other intangibles
$0Life insurance assets
$14,621All other assets
$499,416Total liabilities and capital
$460,162Total liabilities
$422,782Total deposits
$352,932Interest-bearing deposits
$422,782Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$0Trading liabilities
$24,653Other borrowed funds
$6,000Subordinated debt
$6,727All other liabilities
$39,254Total equity capital
$39,254Total bank equity capital
$39,254Perpetual preferred stock
$0Common stock
$19Surplus
$8,854Undivided profits
Memoranda
$30,381Noncurrent loans and leases
$105,076Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$7,564Earning assets
$0Long-term assets (5+ years)
$1,649Average Assets, year-to-date
$440,849Average Assets, quarterly
$41,522Volatile liabilities
$489,291Insider loans
$500,634FHLB advances
$62,423Loans and leases held for sale
$838Unused loan commitments
$24,653Tier 1 (core) risk-based capital
$5,179Tier 2 risk-based capital
$41,459Total risk weighted assets
$105,076Total unused commitments
$0Restructured Loans and leases
$10,700Derivatives
Income and Expense (December 31, 2006)
Dollar figures in thousands
$32,760Total interest income
$13,243Total interest expense
$19,517Net interest income
$750Provision for loan and lease losses
$31,067Total noninterest income
$922Fiduciary activities
$2,224Service charges on deposit accounts
$0Trading account gains & fees
$27,921Additional noninterest income
$46,163Total noninterest expense
$28,591Salaries and employee benefits
$7,768Premises and equipment expense
$9,804Additional noninterest expense
$3,671Pre-tax net operating income
$0Securities gains (losses)
$1,207Applicable income taxes
$2,464Income before extraordinary items
$0Extraordinary gains - net
$2,464Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$383Sale, conversion, retirement of capital stock, net
$1,595Net operating income
Performance and Condition Ratios (December 31, 2006)
Dollar figures in thousands
Performance Ratios (%, annualized)
7.66%Yield on earning assets
3.09%Cost of funding earning assets
4.56%Net interest margin
7.26%Noninterest income to earning assets
10.79%Noninterest expense to earning assets
0.50%Net operating income to assets
0.50%Return on assets (ROA)
0.75%Pretax return on assets
6.32%Return on equity (ROE)
2.23%Retained earnings to average equity (YTD only)
0.10%Net charge-offs to loans
195.82%Credit loss provision to net charge-offs
11.54%Efficiency ratio
91,256Assets per employee
0.97%Cash dividends to net income (YTD only)
Condition Ratios (%)
64.73%Loss allowance to loans
1.19%Loss allowance to noncurrent loans
62.28%Noncurrent assets plus other real estate owned to assets
1.63%Noncurrent loans to loans
1.91%Net loans and leases to deposits
92.65%Net loans and leases to core deposits
108.70%Equity capital to assets
7.86%Core capital (leverage) ratio
7.99%Tier 1 risk-based capital ratio
10.37%Total risk-based capital ratio
Memoranda
$13Average assets
$489,291Average earning assets
$39,014Average equity
$427,895Average loans
Total Fiduciary and Related Assets (December 31, 2006)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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