Delta Bank & Trust Company in Belle Chasse, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 08, 1996

  • Delta Bank & Trust Company in Belle Chasse, Louisiana (LA)
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Delta Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 17529
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Regions Bank of Louisiana (#28098)
    Federal Reserve ID: 894030
    Date Established: January 04, 1956
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 9 (Interstate: No)
    FDIC's unique #: 11507
    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 04, 1956
    Last Structure Change Effective Date: August 08, 1996
    Last Structure Change Process Date: September 25, 1996
    Last Data Update: September 25, 1996
    Data Source Date: April 05, 2012
  • Location
  • Address: 611 Belle Chasse Highway North, Belle Chasse, LA 70037
    County: Plaquemines
    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: $196.1 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)
  • $147Total assets
  • $205,908Cash and due from depository institutions
  • $19,250Interest-bearing balances
  • $100Securities
  • $85,205Federal funds sold & reverse repurchase agreements
  • $1,150Net loans & leases
  • $88,721Loan loss allowance
  • $1,046Trading account assets
  • $0Bank premises and fixed assets
  • $5,026Other real estate owned
  • $433Goodwill and other intangibles
  • $5,963Life insurance assets
  • $160All other assets
  • $0Total liabilities and capital
  • $205,908Total liabilities
  • $189,739Total deposits
  • $182,210Interest-bearing deposits
  • $139,527Deposits held in domestic offices
  • 182210.00%% insured (estimated)
  • $73Federal funds purchased & repurchase agreements
  • $3,897Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $3,632Total equity capital
  • $3,632Total bank equity capital
  • $16,169Perpetual preferred stock
  • $0Common stock
  • $1,872Surplus
  • $4,064Undivided profits
  • Memoranda
  • $10,233Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,208Income earned, not collected on loans
  • $507Earning assets
  • $175,176Long-term assets (5+ years)
  • $8,208Average Assets, year-to-date
  • $205,680Average Assets, quarterly
  • $201,625Volatile liabilities
  • $13,625Insider loans
  • $1,840FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $16,318Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,870Total risk weighted assets
  • $107,395Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,585Total interest expense
  • $4,884Net interest income
  • $9,701Provision for loan and lease losses
  • $0Total noninterest income
  • $1,949Fiduciary activities
  • $0Service charges on deposit accounts
  • $1,566Trading account gains & fees
  • $0Additional noninterest income
  • $383Total noninterest expense
  • $9,217Salaries and employee benefits
  • $4,401Premises and equipment expense
  • $1,584Additional noninterest expense
  • $3,232Pre-tax net operating income
  • $2,433Securities gains (losses)
  • $7Applicable income taxes
  • $787Income before extraordinary items
  • $1,653Extraordinary gains - net
  • $0Net income attributable to bank
  • $1,653Net charge-offs
  • $539Cash dividends
  • $749Sale, 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
  • 8.05%Cost of funding earning assets
  • 2.70%Net interest margin
  • 5.36%Noninterest income to earning assets
  • 1.08%Noninterest expense to earning assets
  • 5.09%Net operating income to assets
  • 0.80%Return on assets (ROA)
  • 0.80%Pretax return on assets
  • 1.19%Return on equity (ROE)
  • 10.41%Retained earnings to average equity (YTD only)
  • 5.69%Net charge-offs to loans
  • 0.61%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 79,116Assets per employee
  • 1.40%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 45.31%Loss allowance to loans
  • 1.17%Loss allowance to noncurrent loans
  • 86.59%Noncurrent assets plus other real estate owned to assets
  • 0.80%Noncurrent loans to loans
  • 1.35%Net loans and leases to deposits
  • 48.69%Net loans and leases to core deposits
  • 51.44%Equity capital to assets
  • 7.85%Core capital (leverage) ratio
  • 8.17%Tier 1 risk-based capital ratio
  • 14.78%Total risk-based capital ratio
  • Memoranda
  • $16Average assets
  • $205,680Average earning assets
  • $15,884Average equity
  • $181,089Average loans

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