Peoples Bank & Trust Company of St. Bernard in Chalmette, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 02, 1995

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

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 0Total employees (full-time equivalent)
  • $131Total assets
  • $171,428Cash and due from depository institutions
  • $6,984Interest-bearing balances
  • $0Securities
  • $92,892Federal funds sold & reverse repurchase agreements
  • $6,500Net loans & leases
  • $55,742Loan loss allowance
  • $2,243Trading account assets
  • $0Bank premises and fixed assets
  • $4,874Other real estate owned
  • $567Goodwill and other intangibles
  • $3,460Life insurance assets
  • $409All other assets
  • $0Total liabilities and capital
  • $171,428Total liabilities
  • $156,961Total deposits
  • $152,022Interest-bearing deposits
  • $120,973Deposits held in domestic offices
  • 152022.00%% insured (estimated)
  • $91Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,947Subordinated debt
  • $0All other liabilities
  • $1,992Total equity capital
  • $1,992Total bank equity capital
  • $14,467Perpetual preferred stock
  • $0Common stock
  • $625Surplus
  • $4,000Undivided profits
  • Memoranda
  • $9,842Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $551Income earned, not collected on loans
  • $355Earning assets
  • $155,134Long-term assets (5+ years)
  • $2,925Average Assets, year-to-date
  • $177,470Average Assets, quarterly
  • $174,959Volatile liabilities
  • $9,168Insider loans
  • $1,026FHLB advances
  • $0Loans and leases held for sale
  • $1,554Unused loan commitments
  • $5,853Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,219Total risk weighted assets
  • $82,852Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1994)

  • Dollar figures in thousands
  • $0Total interest income
  • $11,874Total interest expense
  • $3,819Net interest income
  • $8,055Provision for loan and lease losses
  • $0Total noninterest income
  • $1,548Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,129Trading account gains & fees
  • $0Additional noninterest income
  • $419Total noninterest expense
  • $7,487Salaries and employee benefits
  • $3,782Premises and equipment expense
  • $1,611Additional noninterest expense
  • $2,094Pre-tax net operating income
  • $2,116Securities gains (losses)
  • $24Applicable income taxes
  • $679Income before extraordinary items
  • $1,461Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,461Net charge-offs
  • -$150Cash dividends
  • $395Sale, 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
  • 7.37%Cost of funding earning assets
  • 2.37%Net interest margin
  • 5.00%Noninterest income to earning assets
  • 0.96%Noninterest expense to earning assets
  • 4.65%Net operating income to assets
  • 0.81%Return on assets (ROA)
  • 0.82%Pretax return on assets
  • 1.21%Return on equity (ROE)
  • 10.02%Retained earnings to average equity (YTD only)
  • 7.31%Net charge-offs to loans
  • -0.25%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 77,465Assets per employee
  • 1.31%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 27.04%Loss allowance to loans
  • 3.87%Loss allowance to noncurrent loans
  • 407.08%Noncurrent assets plus other real estate owned to assets
  • 0.65%Noncurrent loans to loans
  • 0.95%Net loans and leases to deposits
  • 36.67%Net loans and leases to core deposits
  • 38.60%Equity capital to assets
  • 8.44%Core capital (leverage) ratio
  • 8.68%Tier 1 risk-based capital ratio
  • 18.37%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $177,470Average earning assets
  • $14,584Average equity
  • $161,018Average loans

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