St. James Bank & Trust Company in Lutcher, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of October 08, 1999

St. James Bank & Trust Company in Lutcher, Louisiana (LA)
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St. James Bank & Trust Company - Overview

General
FDIC Certificate #: 1375
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Regions Bank (#12368)
Federal Reserve ID: 140232
Date Established: November 04, 1904
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Interstate: No)
OTS Docket #: 14436
FDIC's unique #: 900
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: October 08, 1999
Last Structure Change Process Date: December 16, 1999
Last Data Update: December 16, 1999
Data Source Date: April 05, 2012
Location
Address: Main Street, Lutcher, LA 70071
County: St. James
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
Metropolitan Statistical Area (MSA): New Orleans, LA (#5560)
Financial Summary
Total assets: $163.4 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
67Total employees (full-time equivalent)
$172,218Total assets
$6,879Cash and due from depository institutions
$121Interest-bearing balances
$58,078Securities
$1,975Federal funds sold & reverse repurchase agreements
$96,262Net loans & leases
$1,304Loan loss allowance
$0Trading account assets
$3,242Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$0Life insurance assets
$5,782All other assets
$172,218Total liabilities and capital
$156,869Total liabilities
$152,795Total deposits
$134,070Interest-bearing deposits
$152,795Deposits held in domestic offices
0.00%% insured (estimated)
$2,300Federal funds purchased & repurchase agreements
$0Trading liabilities
$950Other borrowed funds
$0Subordinated debt
$824All other liabilities
$15,349Total equity capital
$15,349Total bank equity capital
$15,349Perpetual preferred stock
$0Common stock
$720Surplus
$4,280Undivided profits
Memoranda
$10,349Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$0Income earned, not collected on loans
$583Earning assets
$103Long-term assets (5+ years)
$667Average Assets, year-to-date
$156,436Average Assets, quarterly
$35,156Volatile liabilities
$154,975Insider loans
$161,275FHLB advances
$25,902Loans and leases held for sale
$308Unused loan commitments
$0Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$0Total risk weighted assets
$11,592Total unused commitments
$0Restructured Loans and leases
$101,280Derivatives

Income and Expense (December 31, 1998)

Dollar figures in thousands
$11,355Total interest income
$4,796Total interest expense
$6,559Net interest income
$570Provision for loan and lease losses
$1,203Total noninterest income
$0Fiduciary activities
$953Service charges on deposit accounts
$0Trading account gains & fees
$250Additional noninterest income
$5,757Total noninterest expense
$2,651Salaries and employee benefits
$1,388Premises and equipment expense
$1,718Additional noninterest expense
$1,435Pre-tax net operating income
-$2Securities gains (losses)
$403Applicable income taxes
$1,030Income before extraordinary items
$0Extraordinary gains - net
$1,030Net income attributable to bank
$0Net charge-offs
$0Cash dividends
$324Sale, conversion, retirement of capital stock, net
$2,117Net operating income

Performance and Condition Ratios (December 31, 1998)

Dollar figures in thousands
Performance Ratios (%, annualized)
8.06%Yield on earning assets
3.40%Cost of funding earning assets
4.66%Net interest margin
0.85%Noninterest income to earning assets
4.09%Noninterest expense to earning assets
0.67%Net operating income to assets
0.66%Return on assets (ROA)
0.92%Pretax return on assets
6.39%Return on equity (ROE)
-6.75%Retained earnings to average equity (YTD only)
0.36%Net charge-offs to loans
175.93%Credit loss provision to net charge-offs
6.19%Efficiency ratio
74,169Assets per employee
2.57%Cash dividends to net income (YTD only)
Condition Ratios (%)
205.53%Loss allowance to loans
1.34%Loss allowance to noncurrent loans
223.67%Noncurrent assets plus other real estate owned to assets
0.34%Noncurrent loans to loans
0.60%Net loans and leases to deposits
63.00%Net loans and leases to core deposits
74.51%Equity capital to assets
8.91%Core capital (leverage) ratio
9.86%Tier 1 risk-based capital ratio
15.06%Total risk-based capital ratio
Memoranda
$16Average assets
$154,975Average earning assets
$16,109Average equity
$140,900Average loans

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