# ST MARTIN BANK&TRUST CO
SAINT MARTINVILL, LA · FDIC certificate 12610 · asset band $300M-1B · latest filing 2017-09 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $591.3M | |
| Deposits | $505.5M | |
| Loans and leases | $458.9M | |
| Total equity | $62.2M | |
| Loans / deposits | 89.59% (p61 of band) | 85.45% |
| Liquid assets / assets | 18.89% (p36 of band) | |
| Uninsured deposits / deposits | 20.24% (p47 of band) | 21.11% |
| Brokered deposits | 2.09% | |
| Wholesale funding | 5.35% (p44 of band) | |
| FHLB advances / assets | 3.26% | |
| Tier 1 leverage | 9.77% (p38 of band) | 10.27% |
| Unrealized securities loss / equity | 0.14% (p52 of band) | 0.09% |
| AOCI / equity | 1.18% (p60 of band) | |
| ROA (annualized) | 2.35% (p97 of band) | 0.96% |
| Net interest margin | 4.73% (p95 of band) | 3.65% |
| Efficiency ratio | 51.28% (p11 of band) | |
| Noncurrent loans | 1.12% (p74 of band) | 0.60% |
| Net charge-offs (annualized) | 0.07% (p71 of band) | |
| Reserve coverage of noncurrent | 118.01% | |
| Real estate % of loans | 81% | |
| Construction % of loans | 63.48% (p70 of band) | |
| Auto loans | $5.6M (1.22% of loans; DQ 5.16%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p44 of band) | |
| Deposits YoY | 5.0% | |
| Employees | 145 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | construction >100% equity |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | reserve under noncurrent |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12610 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "12610", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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