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

This bank is inactive as of May 01, 1995

State Bank and Trust Company in Donaldsonville, Louisiana (LA)
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State Bank and Trust Company - Overview

General
FDIC Certificate #: 16550
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Capital One, National Association (#4297)
Federal Reserve ID: 581835
Date Established: March 15, 1947
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 3 (Interstate: No)
FDIC's unique #: 10701
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: March 15, 1947
Last Structure Change Effective Date: May 01, 1995
Last Structure Change Process Date: July 10, 1995
Last Data Update: July 10, 1995
Data Source Date: April 05, 2012
Location
Address: 400 Mississippi Street, Donaldsonville, LA 70346
County: Ascension
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): Baton Rouge, LA (#760)
Combined Statistical Area (CSA): Baton Rouge-Pierre Part, LA (#132)
Core Based Statistical Area (CBSA): Baton Rouge, LA (#12940)
CBSA Metro Statistical Area: Baton Rouge, LA (#12940)
Financial Summary
Total assets: $97.3 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)
$45Total assets
$92,258Cash and due from depository institutions
$5,171Interest-bearing balances
$788Securities
$35,727Federal funds sold & reverse repurchase agreements
$479Net loans & leases
$47,109Loan loss allowance
$1,023Trading account assets
$0Bank premises and fixed assets
$2,229Other real estate owned
$31Goodwill and other intangibles
$1,512Life insurance assets
$0All other assets
$0Total liabilities and capital
$92,258Total liabilities
$84,589Total deposits
$83,321Interest-bearing deposits
$69,514Deposits held in domestic offices
83321.00%% insured (estimated)
$88Federal funds purchased & repurchase agreements
$825Trading liabilities
$0Other borrowed funds
$0Subordinated debt
$0All other liabilities
$443Total equity capital
$443Total bank equity capital
$7,669Perpetual preferred stock
$0Common stock
$152Surplus
$3,176Undivided profits
Memoranda
$4,341Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$272Income earned, not collected on loans
$297Earning assets
$84,103Long-term assets (5+ years)
$17,667Average Assets, year-to-date
$95,345Average Assets, quarterly
$94,823Volatile liabilities
$8,386Insider loans
$2,563FHLB advances
$0Loans and leases held for sale
$0Unused loan commitments
$5,886Tier 1 (core) risk-based capital
$0Tier 2 risk-based capital
$8,152Total risk weighted assets
$45,782Total unused commitments
$0Restructured Loans and leases
$0Derivatives

Income and Expense (December 31, 1994)

Dollar figures in thousands
$0Total interest income
$6,678Total interest expense
$2,339Net interest income
$4,339Provision for loan and lease losses
$180Total noninterest income
$634Fiduciary activities
$0Service charges on deposit accounts
$473Trading account gains & fees
$0Additional noninterest income
$161Total noninterest expense
$2,814Salaries and employee benefits
$1,230Premises and equipment expense
$585Additional noninterest expense
$999Pre-tax net operating income
$1,979Securities gains (losses)
$24Applicable income taxes
$593Income before extraordinary items
$1,410Extraordinary gains - net
$0Net income attributable to bank
$1,410Net charge-offs
$64Cash dividends
$200Sale, 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
7.64%Cost of funding earning assets
2.68%Net interest margin
4.97%Noninterest income to earning assets
0.73%Noninterest expense to earning assets
3.22%Net operating income to assets
1.46%Return on assets (ROA)
1.48%Pretax return on assets
2.10%Return on equity (ROE)
19.16%Retained earnings to average equity (YTD only)
16.45%Net charge-offs to loans
0.14%Credit loss provision to net charge-offs
281.25%Efficiency ratio
56,586Assets per employee
2.05%Cash dividends to net income (YTD only)
Condition Ratios (%)
14.18%Loss allowance to loans
2.13%Loss allowance to noncurrent loans
376.10%Noncurrent assets plus other real estate owned to assets
0.33%Noncurrent loans to loans
0.57%Net loans and leases to deposits
56.54%Net loans and leases to core deposits
62.18%Equity capital to assets
8.31%Core capital (leverage) ratio
8.62%Tier 1 risk-based capital ratio
17.81%Total risk-based capital ratio
Memoranda
$19Average assets
$95,345Average earning assets
$7,357Average equity
$87,379Average loans

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