The First National Bank of Jeanerette in Jeanerette, Louisiana (LA)



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The First National Bank of Jeanerette routing number info

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The First National Bank of Jeanerette
GeneralFDIC Certificate #: 4290
Status: Active
Federal Reserve ID: 622037
Bank Holding Company (Regulatory Top Holder): Jeanerette First National Bancorp, Inc. (RSSDID: 1085303, Location: Jeanerette, LA)
Date Established: June 05, 1905
WWW: http://www.yourfnbj.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: 6 (Domestic: 6, Interstate: No)
FDIC's unique #: 2811
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: All Other Specialization < 1 Billion
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
LocationAddress: 1331 East Main Street, Jeanerette, LA 70544
County: Iberia
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): Lafayette-Acadiana, LA (#318)
Core Based Statistical Area (CBSA): New Iberia, LA (#35340)
CBSA Micro Statistical Area: Yes
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $198.5 mil
Equity capital: $16.9 mil
Deposits held in domestic offices: $181.1 mil
Return on assets (ROA): 1.41% ($2.8 mil)
Quarterly return on assets: 1.35% ($2.7 mil)
Return on Equity (ROE): 16.51% ($2.8 mil)
Quarterly return on equity: 15.24% ($2.6 mil)
Net income: $2.6 mil
Quarterly Net income: $0.6 mil
Pretax return on assets: 1.41% ($2,798.3 mil)
Quarterly Pretax return on assets: 1.35% ($2,679.2 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)
Total employees (full-time equivalent)60
Total assets$198,461
Cash and due from depository institutions$7,924
Interest-bearing balances$0
Securities$28,688
Federal funds sold & reverse repurchase agreements$45,850
Net loans & leases$110,222
Loan loss allowance $1,837
Trading account assets$0
Bank premises and fixed assets$3,338
Other real estate owned$92
Goodwill and other intangibles$0
All other assets$2,347
Life insurance assets$198,461
Total liabilities and capital$181,547
Total liabilities$181,075
Total deposits$135,168
Interest-bearing deposits$181,075
Deposits held in domestic offices$80
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $472
All other liabilities $16,914
Total equity capital$16,914
Total bank equity capital$16,914
Perpetual preferred stock$0
Common stock$300
Surplus$2,133
Undivided profits $14,481
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,462
Earning assets $0
Long-term assets (5+ years) $876
Average Assets, year-to-date $184,760
Average Assets, quarterly $19,958
Volatile liabilities $182,220
Insider loans $187,971
FHLB advances $140,767
Loans and leases held for sale $187,253
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $16,650
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $13,628
Derivatives$1,638
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,547
Total interest expense $1,289
Net interest income $7,258
Provision for loan and lease losses $600
Total noninterest income $1,156
Fiduciary activities $0
Service charges on deposit accounts $795
Trading account gains & fees $0
Additional noninterest income $361
Total noninterest expense $5,250
Salaries and employee benefits $2,703
Premises and equipment expense $920
Additional noninterest expense $1,627
Pre-tax net operating income $2,564
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $2,564
Extraordinary gains - net $0
Net income attributable to bank $2,564
Net charge-offs $0
Cash dividends $2,564
Sale, conversion, retirement of capital stock, net $409
Net operating income $1,483
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.04%
Cost of funding earning assets 0.76%
Net interest margin 4.28%
Noninterest income to earning assets 0.68%
Noninterest expense to earning assets 3.10%
Net operating income to assets 1.41%
Return on assets (ROA) 1.41%
Pretax return on assets 1.41%
Return on equity (ROE) 16.51%
Retained earnings to average equity (YTD only) 6.96%
Net charge-offs to loans 0.35%
Credit loss provision to net charge-offs 146.70%
Efficiency ratio7.74%
Assets per employee$62,396
Cash dividends to net income (YTD only)3.31%
Condition Ratios (%)
Loss allowance to loans 57.84%
Loss allowance to noncurrent loans 1.64%
Noncurrent assets plus other real estate owned to assets 125.65%
Noncurrent loans to loans 0.78%
Net loans and leases to deposits1.30%
Net loans and leases to core deposits 60.87%
Equity capital to assets 66.93%
Core capital (leverage) ratio 8.52%
Tier 1 risk-based capital ratio 8.89%
Total risk-based capital ratio 11.83%
Memoranda
Average assets$13
Average earning assets$182,220
Average equity $15,528
Average loans $169,531
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6 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
02811The First National Bank Of Jeanerett1331 East Main Street, Jeanerette, LA 70544June 05, 1905Full Service Brick and Mortar
1202673Jeanerette Branch2502 West Main Street, Jeanerette, LA 70544October 19, 1963Limited Service Facility
2202674New Iberia Branch413 Jefferson Terrace, New Iberia, LA 70560January 16, 1996Full Service Brick and Mortar
3430448Franklin Branch1902 Main St, Franklin, LA 70538March 22, 2004Full Service Brick and Mortar
4430449Baldwin Branch215 Ralph Darden Memorial Pkwy, Baldwin, LA 70514April 19, 2004Full Service Brick and Mortar
5493039Loreauville Branch302 North Main Street, Loreauville, LA 70552November 03, 2008Full Service Brick and Mortar
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