Bank of St. John in Reserve, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 01, 1995

  • Bank of St. John in Reserve, Louisiana (LA)
  • Show street view No street view available for this location

Bank of St. John - Overview

  • General
  • FDIC Certificate #: 8148
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Capital One, National Association (#4297)
    Federal Reserve ID: 839732
    Date Established: August 05, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 11295
    FDIC's unique #: 5193
    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: January 01, 1934
    Last Structure Change Effective Date: July 01, 1995
    Last Structure Change Process Date: July 17, 1995
    Last Data Update: July 17, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 802 Jefferson Highway, Reserve, LA 70084
    County: St. John The Baptist
    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): New Orleans, LA (#5560)
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
    CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
  • Financial Summary
  • Total assets: $115.6 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)
  • $68Total assets
  • $123,781Cash and due from depository institutions
  • $13,654Interest-bearing balances
  • $25Securities
  • $35,310Federal funds sold & reverse repurchase agreements
  • $4,700Net loans & leases
  • $65,617Loan loss allowance
  • $954Trading account assets
  • $0Bank premises and fixed assets
  • $1,852Other real estate owned
  • $116Goodwill and other intangibles
  • $2,532Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $123,781Total liabilities
  • $111,957Total deposits
  • $110,600Interest-bearing deposits
  • $95,282Deposits held in domestic offices
  • 110600.00%% insured (estimated)
  • $80Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $288Subordinated debt
  • $0All other liabilities
  • $1,069Total equity capital
  • $1,069Total bank equity capital
  • $11,824Perpetual preferred stock
  • $0Common stock
  • $750Surplus
  • $2,250Undivided profits
  • Memoranda
  • $8,824Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $208Income earned, not collected on loans
  • $373Earning assets
  • $105,652Long-term assets (5+ years)
  • $29,622Average Assets, year-to-date
  • $114,486Average Assets, quarterly
  • $118,561Volatile liabilities
  • $5,456Insider loans
  • $1,322FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $3,165Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $12,630Total risk weighted assets
  • $67,777Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $8,903Total interest expense
  • $2,502Net interest income
  • $6,401Provision for loan and lease losses
  • $0Total noninterest income
  • $1,496Fiduciary activities
  • $0Service charges on deposit accounts
  • $651Trading account gains & fees
  • $0Additional noninterest income
  • $845Total noninterest expense
  • $4,242Salaries and employee benefits
  • $2,154Premises and equipment expense
  • $629Additional noninterest expense
  • $1,459Pre-tax net operating income
  • $3,655Securities gains (losses)
  • $653Applicable income taxes
  • $1,378Income before extraordinary items
  • $2,930Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,930Net charge-offs
  • -$166Cash dividends
  • $900Sale, 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
  • 8.54%Cost of funding earning assets
  • 2.40%Net interest margin
  • 6.14%Noninterest income to earning assets
  • 1.44%Noninterest expense to earning assets
  • 4.07%Net operating income to assets
  • 2.17%Return on assets (ROA)
  • 2.56%Pretax return on assets
  • 3.76%Return on equity (ROE)
  • 25.86%Retained earnings to average equity (YTD only)
  • 17.91%Net charge-offs to loans
  • -0.25%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 53,717Assets per employee
  • 1.82%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 30.72%Loss allowance to loans
  • 1.43%Loss allowance to noncurrent loans
  • 458.65%Noncurrent assets plus other real estate owned to assets
  • 0.26%Noncurrent loans to loans
  • 0.31%Net loans and leases to deposits
  • 59.33%Net loans and leases to core deposits
  • 62.24%Equity capital to assets
  • 9.55%Core capital (leverage) ratio
  • 11.20%Tier 1 risk-based capital ratio
  • 18.63%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $114,486Average earning assets
  • $11,331Average equity
  • $104,241Average loans

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