Ruston State Bank & Trust Company in Ruston, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 24, 1994

  • Ruston State Bank & Trust Company in Ruston, Louisiana (LA)
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Ruston State Bank & Trust Company - Overview

  • General
  • FDIC Certificate #: 12615
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Bank One, Louisiana, National Association (#4306)
    Federal Reserve ID: 201058
    Date Established: July 07, 1890
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 4 (Interstate: No)
    OTS Docket #: 9765
    FDIC's unique #: 8011
    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: June 24, 1994
    Last Structure Change Process Date: July 11, 1994
    Last Data Update: July 11, 1994
    Data Source Date: April 05, 2012
  • Location
  • Address: 400 North Trenton Street, Ruston, LA 71270
    County: Lincoln
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Shreveport
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: Western
    Core Based Statistical Area (CBSA): Ruston, LA (#40820)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $217.0 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1993)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $119Total assets
  • $223,025Cash and due from depository institutions
  • $12,661Interest-bearing balances
  • $3,211Securities
  • $96,440Federal funds sold & reverse repurchase agreements
  • $6,170Net loans & leases
  • $100,648Loan loss allowance
  • $2,289Trading account assets
  • $0Bank premises and fixed assets
  • $3,579Other real estate owned
  • $219Goodwill and other intangibles
  • $2,669Life insurance assets
  • $639All other assets
  • $0Total liabilities and capital
  • $223,025Total liabilities
  • $206,582Total deposits
  • $195,934Interest-bearing deposits
  • $161,693Deposits held in domestic offices
  • 195934.00%% insured (estimated)
  • $81Federal funds purchased & repurchase agreements
  • $8,670Trading liabilities
  • $0Other borrowed funds
  • $887Subordinated debt
  • $0All other liabilities
  • $1,091Total equity capital
  • $1,091Total bank equity capital
  • $16,443Perpetual preferred stock
  • $0Common stock
  • $900Surplus
  • $7,133Undivided profits
  • Memoranda
  • $8,410Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,301Income earned, not collected on loans
  • $628Earning assets
  • $206,469Long-term assets (5+ years)
  • $37,429Average Assets, year-to-date
  • $217,545Average Assets, quarterly
  • $220,724Volatile liabilities
  • $32,485Insider loans
  • $2,663FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $11,894Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $15,804Total risk weighted assets
  • $123,381Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1993)

  • Dollar figures in thousands
  • $0Total interest income
  • $14,798Total interest expense
  • $5,595Net interest income
  • $9,203Provision for loan and lease losses
  • $180Total noninterest income
  • $3,084Fiduciary activities
  • $40Service charges on deposit accounts
  • $1,322Trading account gains & fees
  • $0Additional noninterest income
  • $1,722Total noninterest expense
  • $8,237Salaries and employee benefits
  • $4,087Premises and equipment expense
  • $959Additional noninterest expense
  • $3,191Pre-tax net operating income
  • $3,870Securities gains (losses)
  • $116Applicable income taxes
  • $1,137Income before extraordinary items
  • $2,849Extraordinary gains - net
  • $342Net income attributable to bank
  • $3,191Net charge-offs
  • $131Cash dividends
  • $2,043Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1993)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.35%Cost of funding earning assets
  • 2.78%Net interest margin
  • 4.57%Noninterest income to earning assets
  • 1.53%Noninterest expense to earning assets
  • 4.09%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.47%Pretax return on assets
  • 1.99%Return on equity (ROE)
  • 19.78%Retained earnings to average equity (YTD only)
  • 7.11%Net charge-offs to loans
  • 0.14%Credit loss provision to net charge-offs
  • 137.40%Efficiency ratio
  • 66,249Assets per employee
  • 1.87%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 64.02%Loss allowance to loans
  • 2.22%Loss allowance to noncurrent loans
  • 175.94%Noncurrent assets plus other real estate owned to assets
  • 0.68%Noncurrent loans to loans
  • 1.26%Net loans and leases to deposits
  • 51.37%Net loans and leases to core deposits
  • 58.18%Equity capital to assets
  • 7.37%Core capital (leverage) ratio
  • 7.35%Tier 1 risk-based capital ratio
  • 12.81%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $217,545Average earning assets
  • $16,136Average equity
  • $201,218Average loans

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