St. Bernard Bank & Trust Co. in Arabi, Louisiana (LA)



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St. Bernard Bank & Trust Co.
GeneralFDIC Certificate #: 1381
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Capital One, National Association (#4297)
Federal Reserve ID: 466736
Date Established: Febuary 01, 1905
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 11 (Interstate: No)
FDIC's unique #: 905
Numeric code: 13
Regulator: FED
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: October 01, 1996
Last Structure Change Process Date: October 24, 1996
Last Data Update: October 24, 1996
Data Source Date: April 05, 2012
LocationAddress: 6735 St. Claude Avenue, Arabi, LA 70032
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: $244.1 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)
Total employees (full-time equivalent)0
Total assets$124
Cash and due from depository institutions$259,645
Interest-bearing balances$17,354
Securities$0
Federal funds sold & reverse repurchase agreements$191,993
Net loans & leases$15,400
Loan loss allowance $28,959
Trading account assets$291
Bank premises and fixed assets$0
Other real estate owned$2,362
Goodwill and other intangibles$47
All other assets$0
Life insurance assets$3,530
Total liabilities and capital$0
Total liabilities$259,645
Total deposits$238,586
Interest-bearing deposits$233,917
Deposits held in domestic offices$208,178
% insured (estimated)233917.00%
Federal funds purchased & repurchase agreements $85
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $0
All other liabilities $0
Total equity capital$4,669
Total bank equity capital$4,669
Perpetual preferred stock$21,059
Common stock$0
Surplus$375
Undivided profits $1,625
Memoranda
Noncurrent loans and leases $19,059
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $0
Earning assets $217
Long-term assets (5+ years) $236,352
Average Assets, year-to-date $16,101
Average Assets, quarterly $256,722
Volatile liabilities $257,298
Insider loans $16,735
FHLB advances $457
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $792
Tier 2 risk-based capital $0
Total risk weighted assets $21,059
Total unused commitments $50,784
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1995)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $15,735
Net interest income $7,607
Provision for loan and lease losses $8,128
Total noninterest income -$95
Fiduciary activities $1,174
Service charges on deposit accounts $0
Trading account gains & fees $1,017
Additional noninterest income $0
Total noninterest expense $157
Salaries and employee benefits $5,709
Premises and equipment expense $3,447
Additional noninterest expense $1,114
Pre-tax net operating income $1,148
Securities gains (losses) $3,688
Applicable income taxes $0
Income before extraordinary items $1,168
Extraordinary gains - net $2,520
Net income attributable to bank $0
Net charge-offs $2,520
Cash dividends -$95
Sale, conversion, retirement of capital stock, net $3,825
Net operating income $0
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Performance and Condition Ratios (December 31, 1995)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 6.59%
Net interest margin 3.19%
Noninterest income to earning assets 3.40%
Noninterest expense to earning assets 0.49%
Net operating income to assets 2.39%
Return on assets (ROA) 0.98%
Pretax return on assets 0.98%
Return on equity (ROE) 1.44%
Retained earnings to average equity (YTD only) 11.11%
Net charge-offs to loans -5.75%
Credit loss provision to net charge-offs -0.35%
Efficiency ratio100.00%
Assets per employee$61,374
Cash dividends to net income (YTD only)2.09%
Condition Ratios (%)
Loss allowance to loans 151.79%
Loss allowance to noncurrent loans 0.99%
Noncurrent assets plus other real estate owned to assets 0.00%
Noncurrent loans to loans 0.02%
Net loans and leases to deposits0.00%
Net loans and leases to core deposits 12.38%
Equity capital to assets 13.33%
Core capital (leverage) ratio 8.11%
Tier 1 risk-based capital ratio 8.29%
Total risk-based capital ratio 41.47%
Memoranda
Average assets$42
Average earning assets$256,722
Average equity $22,682
Average loans $238,794
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