The Homer National Bank in Homer, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of November 30, 1995

  • The Homer National Bank in Homer, Louisiana (LA)
  • Show street view No street view available for this location

The Homer National Bank - Overview

  • General
  • FDIC Certificate #: 4304
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Louisiana, National Association (#4306)
    Federal Reserve ID: 787954
    Date Established: January 22, 1890
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 2 (Interstate: No)
    FDIC's unique #: 2821
    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: January 01, 1934
    Last Structure Change Effective Date: November 30, 1995
    Last Structure Change Process Date: December 27, 1995
    Last Data Update: December 27, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 507 West Main Street, Homer, LA 71040
    County: Claiborne
    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
  • Financial Summary
  • Total assets: $101.9 mil

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

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $49Total assets
  • $92,875Cash and due from depository institutions
  • $4,591Interest-bearing balances
  • $0Securities
  • $24,945Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $60,675Loan loss allowance
  • $1,047Trading account assets
  • $0Bank premises and fixed assets
  • $806Other real estate owned
  • $153Goodwill and other intangibles
  • $1,705Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $92,875Total liabilities
  • $87,729Total deposits
  • $87,205Interest-bearing deposits
  • $73,120Deposits held in domestic offices
  • 87205.00%% insured (estimated)
  • $86Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $16Subordinated debt
  • $0All other liabilities
  • $508Total equity capital
  • $508Total bank equity capital
  • $5,146Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $1,500Undivided profits
  • Memoranda
  • $3,046Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,425Income earned, not collected on loans
  • $457Earning assets
  • $85,620Long-term assets (5+ years)
  • $2,664Average Assets, year-to-date
  • $91,178Average Assets, quarterly
  • $91,611Volatile liabilities
  • $15,593Insider loans
  • $977FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $1,822Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $6,134Total risk weighted assets
  • $63,972Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $6,439Total interest expense
  • $2,526Net interest income
  • $3,913Provision for loan and lease losses
  • $0Total noninterest income
  • $571Fiduciary activities
  • $0Service charges on deposit accounts
  • $421Trading account gains & fees
  • $0Additional noninterest income
  • $150Total noninterest expense
  • $2,652Salaries and employee benefits
  • $1,419Premises and equipment expense
  • $373Additional noninterest expense
  • $860Pre-tax net operating income
  • $1,832Securities gains (losses)
  • -$202Applicable income taxes
  • $485Income before extraordinary items
  • $1,145Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,145Net charge-offs
  • $170Cash dividends
  • $420Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1994)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.69%Cost of funding earning assets
  • 3.02%Net interest margin
  • 4.67%Noninterest income to earning assets
  • 0.68%Noninterest expense to earning assets
  • 3.17%Net operating income to assets
  • 1.41%Return on assets (ROA)
  • 1.26%Pretax return on assets
  • 1.79%Return on equity (ROE)
  • 21.67%Retained earnings to average equity (YTD only)
  • 13.72%Net charge-offs to loans
  • 0.30%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 59,144Assets per employee
  • 1.90%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.68%Loss allowance to loans
  • 1.70%Loss allowance to noncurrent loans
  • 73.47%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.31%Net loans and leases to deposits
  • 69.58%Net loans and leases to core deposits
  • 84.73%Equity capital to assets
  • 5.54%Core capital (leverage) ratio
  • 6.69%Tier 1 risk-based capital ratio
  • 9.59%Total risk-based capital ratio
  • Memoranda
  • $11Average assets
  • $91,178Average earning assets
  • $5,283Average equity
  • $83,711Average loans

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