Bank of Maringouin in Maringouin, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches


Bank of Maringouin - Overview

  • General
  • FDIC Certificate #: 8145
    Status: Active
    Federal Reserve ID: 993335
    Bank Holding Company (Regulatory Top Holder): Banque Of Maringouin Holding Company, Inc. (RSSDID: 1130333, Location: Maringouin, LA)
    Date Established: October 01, 1903
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 2 (Domestic: 2, Interstate: No)
    FDIC's unique #: 5190
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: Yes
    Asset Concentration Hierarchy: Other Specialized Lending < 1 Billion
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: September 23, 2010
    Last Data Update: September 23, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: 11070 State Highway 77, Maringouin, LA 70757
    County: Iberville
    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
    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)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
    Change in Location
  • Financial Summary
  • Total assets: $51.3 mil
    Equity capital: $5.7 mil
    Deposits held in domestic offices: $45.6 mil
    Return on assets (ROA): 0.94% ($0.5 mil)
    Quarterly return on assets: 0.97% ($0.5 mil)
    Return on Equity (ROE): 8.44% ($0.5 mil)
    Quarterly return on equity: 8.49% ($0.5 mil)
    Net income: $0.5 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 0.94% ($482.5 mil)
    Quarterly Pretax return on assets: 0.97% ($497.9 mil)

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

2000 - 2011 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, 2011)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $51,328Total assets
  • $2,921Cash and due from depository institutions
  • $1,437Interest-bearing balances
  • $22,380Securities
  • $5,475Federal funds sold & reverse repurchase agreements
  • $19,026Net loans & leases
  • $384Loan loss allowance
  • $0Trading account assets
  • $233Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $51,328Life insurance assets
  • $1,293All other assets
  • $45,652Total liabilities and capital
  • $45,571Total liabilities
  • $32,072Total deposits
  • $45,571Interest-bearing deposits
  • $99Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $81Subordinated debt
  • $5,676All other liabilities
  • $5,676Total equity capital
  • $5,676Total bank equity capital
  • $0Perpetual preferred stock
  • $600Common stock
  • $1,600Surplus
  • $3,476Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $483Income earned, not collected on loans
  • $0Earning assets
  • $180Long-term assets (5+ years)
  • $48,318Average Assets, year-to-date
  • $13,425Average Assets, quarterly
  • $49,936Volatile liabilities
  • $50,052Insider loans
  • $25,184FHLB advances
  • $49,100Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $5,486Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $1,483Restructured Loans and leases
  • $90Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $1,914Total interest income
  • $193Total interest expense
  • $1,721Net interest income
  • $0Provision for loan and lease losses
  • $270Total noninterest income
  • $0Fiduciary activities
  • $179Service charges on deposit accounts
  • $0Trading account gains & fees
  • $91Additional noninterest income
  • $1,520Total noninterest expense
  • $732Salaries and employee benefits
  • $219Premises and equipment expense
  • $569Additional noninterest expense
  • $471Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $471Income before extraordinary items
  • $0Extraordinary gains - net
  • $471Net income attributable to bank
  • $0Net charge-offs
  • $471Cash dividends
  • $102Sale, conversion, retirement of capital stock, net
  • $330Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.06%Yield on earning assets
  • 0.41%Cost of funding earning assets
  • 3.65%Net interest margin
  • 0.57%Noninterest income to earning assets
  • 3.22%Noninterest expense to earning assets
  • 0.94%Net operating income to assets
  • 0.94%Return on assets (ROA)
  • 0.94%Pretax return on assets
  • 8.44%Return on equity (ROE)
  • 2.53%Retained earnings to average equity (YTD only)
  • 0.52%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 4.62%Efficiency ratio
  • 76,344Assets per employee
  • 3.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 70.06%Loss allowance to loans
  • 1.98%Loss allowance to noncurrent loans
  • 79.50%Noncurrent assets plus other real estate owned to assets
  • 0.94%Noncurrent loans to loans
  • 2.49%Net loans and leases to deposits
  • 41.75%Net loans and leases to core deposits
  • 41.75%Equity capital to assets
  • 11.06%Core capital (leverage) ratio
  • 11.17%Tier 1 risk-based capital ratio
  • 21.78%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $49,936Average earning assets
  • $5,578Average equity
  • $47,152Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05190Bank Of Maringouin11070 State Highway 77, Maringouin, LA 70757October 01, 1903Full Service Brick and Mortar
    1218018Interstate BranchInterstate Highway 10, Grosse Tete, LA 70740May 14, 1973Full Service Brick and Mortar

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