Tuscaloosa Commerce Bank in Denham Springs, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 31, 1996

  • Tuscaloosa Commerce Bank in Denham Springs, Louisiana (LA)
  • Show street view No street view available for this location

Tuscaloosa Commerce Bank - Overview

  • General
  • FDIC Certificate #: 23933
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Deposit Guaranty National Bank of Louisiana (#14189)
    Federal Reserve ID: 662837
    Date Established: August 02, 1982
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    FDIC's unique #: 16705
    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: August 02, 1982
    Last Structure Change Effective Date: October 31, 1996
    Last Structure Change Process Date: November 07, 1996
    Last Data Update: November 07, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 1509 South Range Avenue, Denham Springs, LA 70726
    County: Livingston
    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
    Metropolitan Statistical Area (MSA): Baton Rouge, LA (#760)
    Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
    Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
    CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
  • Financial Summary
  • Total assets: $40.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $42Total assets
  • $39,627Cash and due from depository institutions
  • $3,110Interest-bearing balances
  • $0Securities
  • $6,772Federal funds sold & reverse repurchase agreements
  • $3,425Net loans & leases
  • $24,361Loan loss allowance
  • $294Trading account assets
  • $0Bank premises and fixed assets
  • $1,333Other real estate owned
  • $96Goodwill and other intangibles
  • $530Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $39,627Total liabilities
  • $35,998Total deposits
  • $35,375Interest-bearing deposits
  • $25,255Deposits held in domestic offices
  • 35375.00%% insured (estimated)
  • $84Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $623Total equity capital
  • $623Total bank equity capital
  • $3,629Perpetual preferred stock
  • $0Common stock
  • $36Surplus
  • $3,404Undivided profits
  • Memoranda
  • $189Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $91Income earned, not collected on loans
  • $193Earning assets
  • $34,558Long-term assets (5+ years)
  • $2,177Average Assets, year-to-date
  • $37,222Average Assets, quarterly
  • $38,828Volatile liabilities
  • $2,625Insider loans
  • $596FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,550Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $3,628Total risk weighted assets
  • $24,812Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $3,171Total interest expense
  • $927Net interest income
  • $2,244Provision for loan and lease losses
  • $50Total noninterest income
  • $849Fiduciary activities
  • $0Service charges on deposit accounts
  • $778Trading account gains & fees
  • $0Additional noninterest income
  • $71Total noninterest expense
  • $2,083Salaries and employee benefits
  • $1,033Premises and equipment expense
  • $260Additional noninterest expense
  • $790Pre-tax net operating income
  • $960Securities gains (losses)
  • $0Applicable income taxes
  • $341Income before extraordinary items
  • $619Extraordinary gains - net
  • $0Net income attributable to bank
  • $619Net charge-offs
  • $11Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 9.74%Cost of funding earning assets
  • 2.85%Net interest margin
  • 6.89%Noninterest income to earning assets
  • 2.61%Noninterest expense to earning assets
  • 6.40%Net operating income to assets
  • 1.66%Return on assets (ROA)
  • 1.66%Pretax return on assets
  • 2.58%Return on equity (ROE)
  • 17.76%Retained earnings to average equity (YTD only)
  • 10.62%Net charge-offs to loans
  • 0.05%Credit loss provision to net charge-offs
  • 454.55%Efficiency ratio
  • 67,346Assets per employee
  • 0.94%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 40.23%Loss allowance to loans
  • 1.19%Loss allowance to noncurrent loans
  • 323.08%Noncurrent assets plus other real estate owned to assets
  • 0.47%Noncurrent loans to loans
  • 0.37%Net loans and leases to deposits
  • 68.87%Net loans and leases to core deposits
  • 74.38%Equity capital to assets
  • 9.16%Core capital (leverage) ratio
  • 9.16%Tier 1 risk-based capital ratio
  • 14.62%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $37,222Average earning assets
  • $3,486Average equity
  • $32,558Average loans

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