Peoples Bank & Trust Company of St. Bernard in Chalmette, Louisiana (LA)



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Peoples Bank & Trust Company of St. Bernard
GeneralFDIC Certificate #: 18311
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: First National Bank of Commerce (#4298)
Federal Reserve ID: 565639
Date Established: November 18, 1960
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 8 (Interstate: No)
FDIC's unique #: 12227
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: November 18, 1960
Last Structure Change Effective Date: October 02, 1995
Last Structure Change Process Date: October 24, 1995
Last Data Update: October 24, 1995
Data Source Date: April 05, 2012
LocationAddress: 1615 East 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 SummaryTotal assets: $172.4 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)
Total employees (full-time equivalent)0
Total assets$131
Cash and due from depository institutions$171,428
Interest-bearing balances$6,984
Securities$0
Federal funds sold & reverse repurchase agreements$92,892
Net loans & leases$6,500
Loan loss allowance $55,742
Trading account assets$2,243
Bank premises and fixed assets$0
Other real estate owned$4,874
Goodwill and other intangibles$567
All other assets$409
Life insurance assets$3,460
Total liabilities and capital$0
Total liabilities$171,428
Total deposits$156,961
Interest-bearing deposits$152,022
Deposits held in domestic offices$120,973
% insured (estimated)152022.00%
Federal funds purchased & repurchase agreements $91
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $2,947
All other liabilities $0
Total equity capital$1,992
Total bank equity capital$1,992
Perpetual preferred stock$14,467
Common stock$0
Surplus$625
Undivided profits $4,000
Memoranda
Noncurrent loans and leases $9,842
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $551
Earning assets $355
Long-term assets (5+ years) $155,134
Average Assets, year-to-date $2,925
Average Assets, quarterly $177,470
Volatile liabilities $174,959
Insider loans $9,168
FHLB advances $1,026
Loans and leases held for sale $0
Unused loan commitments $1,554
Tier 1 (core) risk-based capital $5,853
Tier 2 risk-based capital $0
Total risk weighted assets $15,219
Total unused commitments $82,852
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1994)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $11,874
Net interest income $3,819
Provision for loan and lease losses $8,055
Total noninterest income $0
Fiduciary activities $1,548
Service charges on deposit accounts $0
Trading account gains & fees $1,129
Additional noninterest income $0
Total noninterest expense $419
Salaries and employee benefits $7,487
Premises and equipment expense $3,782
Additional noninterest expense $1,611
Pre-tax net operating income $2,094
Securities gains (losses) $2,116
Applicable income taxes $24
Income before extraordinary items $679
Extraordinary gains - net $1,461
Net income attributable to bank $0
Net charge-offs $1,461
Cash dividends -$150
Sale, conversion, retirement of capital stock, net $395
Net operating income $0
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Performance and Condition Ratios (December 31, 1994)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 7.37%
Net interest margin 2.37%
Noninterest income to earning assets 5.00%
Noninterest expense to earning assets 0.96%
Net operating income to assets 4.65%
Return on assets (ROA) 0.81%
Pretax return on assets 0.82%
Return on equity (ROE) 1.21%
Retained earnings to average equity (YTD only) 10.02%
Net charge-offs to loans 7.31%
Credit loss provision to net charge-offs -0.25%
Efficiency ratio0.00%
Assets per employee$77,465
Cash dividends to net income (YTD only)1.31%
Condition Ratios (%)
Loss allowance to loans 27.04%
Loss allowance to noncurrent loans 3.87%
Noncurrent assets plus other real estate owned to assets 407.08%
Noncurrent loans to loans 0.65%
Net loans and leases to deposits0.95%
Net loans and leases to core deposits 36.67%
Equity capital to assets 38.60%
Core capital (leverage) ratio 8.44%
Tier 1 risk-based capital ratio 8.68%
Total risk-based capital ratio 18.37%
Memoranda
Average assets$20
Average earning assets$177,470
Average equity $14,584
Average loans $161,018
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