St. Martin Bank and Trust Company in St. Martinville, Louisiana (LA)

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St. Martin Bank and Trust Company
GeneralFDIC Certificate #: 12610
Status: Active
Federal Reserve ID: 841539
Bank Holding Company (Regulatory Top Holder): Saint Martin Bancshares, Inc. (RSSDID: 1134359, Location: Saint Martinville, LA)
Date Established: December 03, 1933
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 11 (Domestic: 11, Interstate: No)
OTS Docket #: 11396
FDIC's unique #: 8007
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: December 01, 2007
Last Structure Change Process Date: December 05, 2007
Last Data Update: December 05, 2007
Data Source Date: April 05, 2012
LocationAddress: 301 South Main Street, St. Martinville, LA 70582
County: St. Martin
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): Lafayette, LA (#3880)
Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
Core Based Statistical Area (CBSA): Lafayette, LA (#29180)
CBSA Metro Statistical Area: Lafayette, LA (#29180)
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $351.5 mil
Equity capital: $41.0 mil
Deposits held in domestic offices: $285.3 mil
Return on assets (ROA): 2.57% ($9.0 mil)
Quarterly return on assets: 2.29% ($8.1 mil)
Return on Equity (ROE): 21.74% ($8.9 mil)
Quarterly return on equity: 18.95% ($7.8 mil)
Net income: $8.7 mil
Quarterly Net income: $2.0 mil
Pretax return on assets: 2.57% ($9,034.5 mil)
Quarterly Pretax return on assets: 2.29% ($8,050.2 mil)

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

2000 - 2011 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, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)111
Total assets$351,538
Cash and due from depository institutions$33,888
Interest-bearing balances$24,858
Federal funds sold & reverse repurchase agreements$1,000
Net loans & leases$248,254
Loan loss allowance $3,873
Trading account assets$0
Bank premises and fixed assets$6,910
Other real estate owned$0
Goodwill and other intangibles$6,420
All other assets$8,750
Life insurance assets$351,538
Total liabilities and capital$310,514
Total liabilities$285,303
Total deposits$197,885
Interest-bearing deposits$285,303
Deposits held in domestic offices$93
% insured (estimated)9831.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$13,367
Other borrowed funds $0
Subordinated debt $2,013
All other liabilities $41,024
Total equity capital$41,024
Total bank equity capital$41,024
Perpetual preferred stock$0
Common stock$400
Undivided profits $26,024
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $4,814
Earning assets $41
Long-term assets (5+ years) $2,047
Average Assets, year-to-date $320,428
Average Assets, quarterly $75,098
Volatile liabilities $337,196
Insider loans $345,107
FHLB advances $243,678
Loans and leases held for sale $340,677
Unused loan commitments $3,562
Tier 1 (core) risk-based capital $2,003
Tier 2 risk-based capital $33,490
Total risk weighted assets $0
Total unused commitments $1,559
Restructured Loans and leases $33,686
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $19,028
Total interest expense $1,868
Net interest income $17,160
Provision for loan and lease losses $300
Total noninterest income $3,076
Fiduciary activities $6
Service charges on deposit accounts $1,645
Trading account gains & fees $0
Additional noninterest income $1,425
Total noninterest expense $11,271
Salaries and employee benefits $6,029
Premises and equipment expense $1,150
Additional noninterest expense $4,092
Pre-tax net operating income $8,665
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $8,665
Extraordinary gains - net $0
Net income attributable to bank $8,665
Net charge-offs $0
Cash dividends $8,665
Sale, conversion, retirement of capital stock, net -$107
Net operating income $5,515
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets6.20%
Cost of funding earning assets 0.61%
Net interest margin 5.59%
Noninterest income to earning assets 1.00%
Noninterest expense to earning assets 3.67%
Net operating income to assets 2.57%
Return on assets (ROA) 2.57%
Pretax return on assets 2.57%
Return on equity (ROE) 21.74%
Retained earnings to average equity (YTD only) 7.90%
Net charge-offs to loans -0.04%
Credit loss provision to net charge-offs -280.37%
Efficiency ratio0.00%
Assets per employee$54,640
Cash dividends to net income (YTD only)3.17%
Condition Ratios (%)
Loss allowance to loans 63.65%
Loss allowance to noncurrent loans 1.54%
Noncurrent assets plus other real estate owned to assets 80.45%
Noncurrent loans to loans 1.37%
Net loans and leases to deposits1.91%
Net loans and leases to core deposits 87.01%
Equity capital to assets 89.17%
Core capital (leverage) ratio 11.67%
Tier 1 risk-based capital ratio 9.83%
Total risk-based capital ratio 13.74%
Average assets$15
Average earning assets$337,196
Average equity $39,859
Average loans $306,810
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$2,101
Number of Accounts1
Personal trust and agency accounts$2,101
Employee benefit-defined contribution accounts$2,101
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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11 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
08007St. Martin Bank And Trust Company301 South Main Street, St. Martinville, LA 70582December 03, 1933Full Service Brick and Mortar
1227530Parks Branch1021 Bridge Street, Parks, LA 70582January 20, 1969Limited Service Facility
2227531Catahoula Branch4421 Catahoula Highway, St. Martinville, LA 70582January 15, 1973Limited Service Facility
4286788Johnston Street Branch2810 Johnston Street, Lafayette, LA 70503June 30, 1988Full Service Brick and Mortar
5227533Verot School Road Branch300 Verot School Road, Lafayette, LA 70598June 02, 1998Full Service Brick and Mortar
6442322Parkway Branch100 Albertson Parkway, Broussard, LA 70518July 25, 2005Full Service Brick and Mortar
713393Welsh Branch102 South Adams Street, Welsh, LA 70591June 15, 1966Full Service Brick and Mortar
8248941Jennings Branch128 East Academy Avenue, Jennings, LA 70546March 30, 1970Full Service Brick and Mortar
9248942Elton BranchBroadway And Highway 190 East, Elton, LA 70532March 01, 1978Full Service Brick and Mortar
10445655Crowley Branch357 Odd Fellows Road, Crowley, LA 70527November 07, 2005Full Service Brick and Mortar
11483132Scott BranchInterstate 10, Scott, LA 70583November 24, 2008Full Service Brick and Mortar
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