St. James Bank & Trust Company in Lutcher, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 08, 1999

  • St. James Bank & Trust Company in Lutcher, Louisiana (LA)
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St. James Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 1375
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 140232
    Date Established: November 04, 1904
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 6 (Interstate: No)
    OTS Docket #: 14436
    FDIC's unique #: 900
    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: January 01, 1934
    Last Structure Change Effective Date: October 08, 1999
    Last Structure Change Process Date: December 16, 1999
    Last Data Update: December 16, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Lutcher, LA 70071
    County: St. James
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Atlanta
    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)
  • Financial Summary
  • Total assets: $163.4 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 1998)

  • Dollar figures in thousands
  • 67Total employees (full-time equivalent)
  • $172,218Total assets
  • $6,879Cash and due from depository institutions
  • $121Interest-bearing balances
  • $58,078Securities
  • $1,975Federal funds sold & reverse repurchase agreements
  • $96,262Net loans & leases
  • $1,304Loan loss allowance
  • $0Trading account assets
  • $3,242Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $5,782All other assets
  • $172,218Total liabilities and capital
  • $156,869Total liabilities
  • $152,795Total deposits
  • $134,070Interest-bearing deposits
  • $152,795Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,300Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $950Other borrowed funds
  • $0Subordinated debt
  • $824All other liabilities
  • $15,349Total equity capital
  • $15,349Total bank equity capital
  • $15,349Perpetual preferred stock
  • $0Common stock
  • $720Surplus
  • $4,280Undivided profits
  • Memoranda
  • $10,349Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $583Earning assets
  • $103Long-term assets (5+ years)
  • $667Average Assets, year-to-date
  • $156,436Average Assets, quarterly
  • $35,156Volatile liabilities
  • $154,975Insider loans
  • $161,275FHLB advances
  • $25,902Loans and leases held for sale
  • $308Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $11,592Total unused commitments
  • $0Restructured Loans and leases
  • $101,280Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $11,355Total interest income
  • $4,796Total interest expense
  • $6,559Net interest income
  • $570Provision for loan and lease losses
  • $1,203Total noninterest income
  • $0Fiduciary activities
  • $953Service charges on deposit accounts
  • $0Trading account gains & fees
  • $250Additional noninterest income
  • $5,757Total noninterest expense
  • $2,651Salaries and employee benefits
  • $1,388Premises and equipment expense
  • $1,718Additional noninterest expense
  • $1,435Pre-tax net operating income
  • -$2Securities gains (losses)
  • $403Applicable income taxes
  • $1,030Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,030Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $324Sale, conversion, retirement of capital stock, net
  • $2,117Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.06%Yield on earning assets
  • 3.40%Cost of funding earning assets
  • 4.66%Net interest margin
  • 0.85%Noninterest income to earning assets
  • 4.09%Noninterest expense to earning assets
  • 0.67%Net operating income to assets
  • 0.66%Return on assets (ROA)
  • 0.92%Pretax return on assets
  • 6.39%Return on equity (ROE)
  • -6.75%Retained earnings to average equity (YTD only)
  • 0.36%Net charge-offs to loans
  • 175.93%Credit loss provision to net charge-offs
  • 6.19%Efficiency ratio
  • 74,169Assets per employee
  • 2.57%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 205.53%Loss allowance to loans
  • 1.34%Loss allowance to noncurrent loans
  • 223.67%Noncurrent assets plus other real estate owned to assets
  • 0.34%Noncurrent loans to loans
  • 0.60%Net loans and leases to deposits
  • 63.00%Net loans and leases to core deposits
  • 74.51%Equity capital to assets
  • 8.91%Core capital (leverage) ratio
  • 9.86%Tier 1 risk-based capital ratio
  • 15.06%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $154,975Average earning assets
  • $16,109Average equity
  • $140,900Average loans

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