St. Bernard Bank & Trust Co. in Arabi, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 01, 1996

  • St. Bernard Bank & Trust Co. in Arabi, Louisiana (LA)
  • Show street view No street view available for this location

St. Bernard Bank & Trust Co. - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 0Total employees (full-time equivalent)
  • $124Total assets
  • $259,645Cash and due from depository institutions
  • $17,354Interest-bearing balances
  • $0Securities
  • $191,993Federal funds sold & reverse repurchase agreements
  • $15,400Net loans & leases
  • $28,959Loan loss allowance
  • $291Trading account assets
  • $0Bank premises and fixed assets
  • $2,362Other real estate owned
  • $47Goodwill and other intangibles
  • $3,530Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $259,645Total liabilities
  • $238,586Total deposits
  • $233,917Interest-bearing deposits
  • $208,178Deposits held in domestic offices
  • 233917.00%% insured (estimated)
  • $85Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $4,669Total equity capital
  • $4,669Total bank equity capital
  • $21,059Perpetual preferred stock
  • $0Common stock
  • $375Surplus
  • $1,625Undivided profits
  • Memoranda
  • $19,059Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $217Earning assets
  • $236,352Long-term assets (5+ years)
  • $16,101Average Assets, year-to-date
  • $256,722Average Assets, quarterly
  • $257,298Volatile liabilities
  • $16,735Insider loans
  • $457FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $792Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $21,059Total risk weighted assets
  • $50,784Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $15,735Total interest expense
  • $7,607Net interest income
  • $8,128Provision for loan and lease losses
  • -$95Total noninterest income
  • $1,174Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,017Trading account gains & fees
  • $0Additional noninterest income
  • $157Total noninterest expense
  • $5,709Salaries and employee benefits
  • $3,447Premises and equipment expense
  • $1,114Additional noninterest expense
  • $1,148Pre-tax net operating income
  • $3,688Securities gains (losses)
  • $0Applicable income taxes
  • $1,168Income before extraordinary items
  • $2,520Extraordinary gains - net
  • $0Net income attributable to bank
  • $2,520Net charge-offs
  • -$95Cash dividends
  • $3,825Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 6.59%Cost of funding earning assets
  • 3.19%Net interest margin
  • 3.40%Noninterest income to earning assets
  • 0.49%Noninterest expense to earning assets
  • 2.39%Net operating income to assets
  • 0.98%Return on assets (ROA)
  • 0.98%Pretax return on assets
  • 1.44%Return on equity (ROE)
  • 11.11%Retained earnings to average equity (YTD only)
  • -5.75%Net charge-offs to loans
  • -0.35%Credit loss provision to net charge-offs
  • 100.00%Efficiency ratio
  • 61,374Assets per employee
  • 2.09%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 151.79%Loss allowance to loans
  • 0.99%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 0.02%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 12.38%Net loans and leases to core deposits
  • 13.33%Equity capital to assets
  • 8.11%Core capital (leverage) ratio
  • 8.29%Tier 1 risk-based capital ratio
  • 41.47%Total risk-based capital ratio
  • Memoranda
  • $42Average assets
  • $256,722Average earning assets
  • $22,682Average equity
  • $238,794Average loans

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with St. Bernard Bank & Trust Co..
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents