First National Bank of St. Bernard Parish in city_name, state_name

First National Bank of St. Bernard Parish in Chalmette, Louisiana (LA)
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First National Bank of St. Bernard Parish - Overview

General
FDIC Certificate #: 19150
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Regions Bank of Louisiana (#28098)
Federal Reserve ID: 57835
Date Established: June 18, 1964
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 5 (Interstate: No)
OTS Docket #: 10956
FDIC's unique #: 12976
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: June 18, 1964
Last Structure Change Effective Date: March 17, 1995
Last Structure Change Process Date: April 07, 1995
Last Data Update: April 07, 1995
Data Source Date: April 05, 2012
Location
Address: 8301 West Judge Perez Drive, Chalmette, LA 70043
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: $114.3 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1994)

Dollar figures in thousands
0Total employees (full-time equivalent)
$81Total assets
$114,297Cash and due from depository institutions
$5,473Interest-bearing balances
$7Securities
$6,331Federal funds sold & reverse repurchase agreements
$1,650Net loans & leases
$93,267Loan loss allowance
$928Trading account assets
$0Bank premises and fixed assets
$6,240Other real estate owned
$0Goodwill and other intangibles
$1,336Life insurance assets
$0All other assets
$0Total liabilities and capital
$114,297Total liabilities
$103,980Total deposits
$97,756Interest-bearing deposits
$81,271Deposits held in domestic offices
97756.00%% insured (estimated)
$91Federal funds purchased & repurchase agreements
$0Trading liabilities
$0Other borrowed funds
$5,000Subordinated debt
$0All other liabilities
$1,224Total equity capital
$1,224Total bank equity capital
$10,317Perpetual preferred stock
$0Common stock
$251Surplus
$2,422Undivided profits
Memoranda
$7,644Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$508Income earned, not collected on loans
$598Earning assets
$101,255Long-term assets (5+ years)
$24,528Average Assets, year-to-date
$110,644Average Assets, quarterly
$113,836Volatile liabilities
$7,907Insider loans
$1,542FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$4,267Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$10,317Total risk weighted assets
$96,914Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$9,636Total interest expense
$2,956Net interest income
$6,680Provision for loan and lease losses
$395Total noninterest income
$857Fiduciary activities
$0Service charges on deposit accounts
$625Trading account gains & fees
$0Additional noninterest income
$232Total noninterest expense
$4,789Salaries and employee benefits
$2,358Premises and equipment expense
$560Additional noninterest expense
$1,871Pre-tax net operating income
$2,353Securities gains (losses)
$0Applicable income taxes
$805Income before extraordinary items
$1,548Extraordinary gains - net
$0Net income attributable to bank
$1,548Net charge-offs
$433Cash dividends
$243Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 1994)

Dollar figures in thousands
Performance Ratios (%, annualized)
0.00%Yield on earning assets
9.78%Cost of funding earning assets
3.00%Net interest margin
6.78%Noninterest income to earning assets
0.87%Noninterest expense to earning assets
4.86%Net operating income to assets
1.40%Return on assets (ROA)
1.40%Pretax return on assets
2.13%Return on equity (ROE)
16.75%Retained earnings to average equity (YTD only)
14.12%Net charge-offs to loans
0.49%Credit loss provision to net charge-offs
91.22%Efficiency ratio
63,540Assets per employee
1.41%Cash dividends to net income (YTD only)
Condition Ratios (%)
15.70%Loss allowance to loans
0.99%Loss allowance to noncurrent loans
182.68%Noncurrent assets plus other real estate owned to assets
0.44%Noncurrent loans to loans
0.54%Net loans and leases to deposits
95.41%Net loans and leases to core deposits
103.80%Equity capital to assets
9.03%Core capital (leverage) ratio
8.94%Tier 1 risk-based capital ratio
10.65%Total risk-based capital ratio
Memoranda
$12Average assets
$110,644Average earning assets
$9,241Average equity
$98,494Average loans

First National Bank of St. Bernard Parish in Chalmette, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of St. Bernard Parish - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

First National Bank of St. Bernard Parish in Chalmette, Louisiana (LA)Overview, Financial Summary, Detailed Financial Reports, Branches

First National Bank of St. Bernard Parish - Overview

Assets and Liabilities (December 31, 1994)

Income and Expense (December 31, 1994)

Performance and Condition Ratios (December 31, 1994)

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

First National Bank of St. Bernard Parish in Chalmette, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches