First National Bank of St. Bernard Parish in Chalmette, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of March 17, 1995

  • First National Bank of St. Bernard Parish in Chalmette, Louisiana (LA)
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First National Bank of St. Bernard Parish - Overview

  • General
  • FDIC Certificate #: 19150
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank of Louisiana (#28098)
    Federal Reserve ID: 57835
    Date Established: June 18, 1964
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 5 (Interstate: No)
    OTS Docket #: 10956
    FDIC's unique #: 12976
    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: June 18, 1964
    Last Structure Change Effective Date: March 17, 1995
    Last Structure Change Process Date: April 07, 1995
    Last Data Update: April 07, 1995
    Data Source Date: April 05, 2012
  • Location
  • Address: 8301 West Judge Perez Drive, Chalmette, LA 70043
    County: St. Bernard
    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: $114.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $81Total assets
  • $114,297Cash and due from depository institutions
  • $5,473Interest-bearing balances
  • $7Securities
  • $6,331Federal funds sold & reverse repurchase agreements
  • $1,650Net loans & leases
  • $93,267Loan loss allowance
  • $928Trading account assets
  • $0Bank premises and fixed assets
  • $6,240Other real estate owned
  • $0Goodwill and other intangibles
  • $1,336Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $114,297Total liabilities
  • $103,980Total deposits
  • $97,756Interest-bearing deposits
  • $81,271Deposits held in domestic offices
  • 97756.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,000Subordinated debt
  • $0All other liabilities
  • $1,224Total equity capital
  • $1,224Total bank equity capital
  • $10,317Perpetual preferred stock
  • $0Common stock
  • $251Surplus
  • $2,422Undivided profits
  • Memoranda
  • $7,644Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $508Income earned, not collected on loans
  • $598Earning assets
  • $101,255Long-term assets (5+ years)
  • $24,528Average Assets, year-to-date
  • $110,644Average Assets, quarterly
  • $113,836Volatile liabilities
  • $7,907Insider loans
  • $1,542FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $4,267Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $10,317Total risk weighted assets
  • $96,914Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $9,636Total interest expense
  • $2,956Net interest income
  • $6,680Provision for loan and lease losses
  • $395Total noninterest income
  • $857Fiduciary activities
  • $0Service charges on deposit accounts
  • $625Trading account gains & fees
  • $0Additional noninterest income
  • $232Total noninterest expense
  • $4,789Salaries and employee benefits
  • $2,358Premises and equipment expense
  • $560Additional noninterest expense
  • $1,871Pre-tax net operating income
  • $2,353Securities gains (losses)
  • $0Applicable income taxes
  • $805Income before extraordinary items
  • $1,548Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,548Net charge-offs
  • $433Cash dividends
  • $243Sale, 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
  • 9.78%Cost of funding earning assets
  • 3.00%Net interest margin
  • 6.78%Noninterest income to earning assets
  • 0.87%Noninterest expense to earning assets
  • 4.86%Net operating income to assets
  • 1.40%Return on assets (ROA)
  • 1.40%Pretax return on assets
  • 2.13%Return on equity (ROE)
  • 16.75%Retained earnings to average equity (YTD only)
  • 14.12%Net charge-offs to loans
  • 0.49%Credit loss provision to net charge-offs
  • 91.22%Efficiency ratio
  • 63,540Assets per employee
  • 1.41%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 15.70%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 182.68%Noncurrent assets plus other real estate owned to assets
  • 0.44%Noncurrent loans to loans
  • 0.54%Net loans and leases to deposits
  • 95.41%Net loans and leases to core deposits
  • 103.80%Equity capital to assets
  • 9.03%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 10.65%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $110,644Average earning assets
  • $9,241Average equity
  • $98,494Average loans

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