The St. Mary Bank and Trust Company in Franklin, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 16, 1999

  • The St. Mary Bank and Trust Company in Franklin, Louisiana (LA)
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The St. Mary Bank and Trust Company - Overview

  • General
  • FDIC Certificate #: 10525
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank (#12368)
    Federal Reserve ID: 731537
    Date Established: August 30, 1906
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Interstate: No)
    FDIC's unique #: 6740
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: July 16, 1999
    Last Structure Change Process Date: August 11, 1999
    Last Data Update: August 11, 1999
    Data Source Date: April 05, 2012
  • Location
  • Address: 1504 Hospital Avenue, Franklin, LA 70538
    County: St. Mary
    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
    Core Based Statistical Area (CBSA): Morgan City, LA (#34020)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $98.8 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
  • 53Total employees (full-time equivalent)
  • $107,936Total assets
  • $5,049Cash and due from depository institutions
  • $0Interest-bearing balances
  • $12,273Securities
  • $5,830Federal funds sold & reverse repurchase agreements
  • $81,128Net loans & leases
  • $2,912Loan loss allowance
  • $0Trading account assets
  • $1,782Bank premises and fixed assets
  • $199Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $1,675All other assets
  • $107,936Total liabilities and capital
  • $97,068Total liabilities
  • $96,577Total deposits
  • $71,797Interest-bearing deposits
  • $96,577Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $491All other liabilities
  • $10,868Total equity capital
  • $10,868Total bank equity capital
  • $10,868Perpetual preferred stock
  • $0Common stock
  • $300Surplus
  • $4,700Undivided profits
  • Memoranda
  • $5,868Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $1,063Earning assets
  • $0Long-term assets (5+ years)
  • $472Average Assets, year-to-date
  • $99,231Average Assets, quarterly
  • $14,018Volatile liabilities
  • $110,046Insider loans
  • $108,626FHLB advances
  • $16,777Loans and leases held for sale
  • $87Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $10,371Total unused commitments
  • $0Restructured Loans and leases
  • $79,942Derivatives

Income and Expense (December 31, 1998)

  • Dollar figures in thousands
  • $9,256Total interest income
  • $3,125Total interest expense
  • $6,131Net interest income
  • $1,370Provision for loan and lease losses
  • $1,060Total noninterest income
  • $0Fiduciary activities
  • $794Service charges on deposit accounts
  • $0Trading account gains & fees
  • $266Additional noninterest income
  • $3,876Total noninterest expense
  • $1,832Salaries and employee benefits
  • $1,146Premises and equipment expense
  • $898Additional noninterest expense
  • $1,945Pre-tax net operating income
  • $0Securities gains (losses)
  • $615Applicable income taxes
  • $1,330Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,330Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $339Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1998)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 9.17%Yield on earning assets
  • 3.09%Cost of funding earning assets
  • 6.07%Net interest margin
  • 1.05%Noninterest income to earning assets
  • 3.84%Noninterest expense to earning assets
  • 1.21%Net operating income to assets
  • 1.21%Return on assets (ROA)
  • 1.77%Pretax return on assets
  • 12.93%Return on equity (ROE)
  • 12.93%Retained earnings to average equity (YTD only)
  • 0.39%Net charge-offs to loans
  • 404.13%Credit loss provision to net charge-offs
  • 9.78%Efficiency ratio
  • 53,901Assets per employee
  • 2.04%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 3.47%Loss allowance to noncurrent loans
  • 273.94%Noncurrent assets plus other real estate owned to assets
  • 1.17%Noncurrent loans to loans
  • 1.26%Net loans and leases to deposits
  • 84.00%Net loans and leases to core deposits
  • 101.66%Equity capital to assets
  • 10.07%Core capital (leverage) ratio
  • 10.15%Tier 1 risk-based capital ratio
  • 13.48%Total risk-based capital ratio
  • Memoranda
  • $15Average assets
  • $110,046Average earning assets
  • $10,286Average equity
  • $100,984Average loans

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