Cameron State Bank in Lake Charles, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2011

Cameron State Bank - Overview

  • General
  • FDIC Certificate #: 19541
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Iberiabank (#28100)
    Federal Reserve ID: 472335
    Date Established: January 15, 1966
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 22 (Interstate: No)
    FDIC's unique #: 13341
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: Yes
    Date of Deposit Insurance: January 15, 1966
    Last Structure Change Effective Date: June 01, 2011
    Last Structure Change Process Date: June 08, 2011
    Last Data Update: June 08, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 4440 Nelson Road, Lake Charles, LA 70605
    County: Calcasieu
    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
    Metropolitan Statistical Area (MSA): Lake Charles, LA (#3960)
    Combined Statistical Area (CSA): Lake Charles-Jennings, LA (#324)
    Core Based Statistical Area (CBSA): Lake Charles, LA (#29340)
    CBSA Metro Statistical Area: Lake Charles, LA (#29340)
  • Financial Summary
  • Total assets: $721.9 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, 2010)

  • Dollar figures in thousands
  • 212Total employees (full-time equivalent)
  • $705,735Total assets
  • $25,232Cash and due from depository institutions
  • $15,138Interest-bearing balances
  • $230,196Securities
  • $81Federal funds sold & reverse repurchase agreements
  • $402,761Net loans & leases
  • $5,396Loan loss allowance
  • $0Trading account assets
  • $22,300Bank premises and fixed assets
  • $311Other real estate owned
  • $0Goodwill and other intangibles
  • $11,949Life insurance assets
  • $24,854All other assets
  • $705,735Total liabilities and capital
  • $628,415Total liabilities
  • $574,809Total deposits
  • $408,743Interest-bearing deposits
  • $574,809Deposits held in domestic offices
  • 77.28%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $48,089Other borrowed funds
  • $0Subordinated debt
  • $5,517All other liabilities
  • $77,320Total equity capital
  • $77,320Total bank equity capital
  • $77,320Perpetual preferred stock
  • $0Common stock
  • $600Surplus
  • $33,800Undivided profits
  • Memoranda
  • $42,920Noncurrent loans and leases
  • $82,012Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $9,147Earning assets
  • $0Long-term assets (5+ years)
  • $3,406Average Assets, year-to-date
  • $648,176Average Assets, quarterly
  • $206,469Volatile liabilities
  • $729,286Insider loans
  • $705,282FHLB advances
  • $95,060Loans and leases held for sale
  • $577Unused loan commitments
  • $48,089Tier 1 (core) risk-based capital
  • $2,974Tier 2 risk-based capital
  • $1,105Total risk weighted assets
  • $82,012Total unused commitments
  • $0Restructured Loans and leases
  • $5,627Derivatives

Income and Expense (December 31, 2010)

  • Dollar figures in thousands
  • $35,228Total interest income
  • $5,267Total interest expense
  • $29,961Net interest income
  • $2,398Provision for loan and lease losses
  • $8,206Total noninterest income
  • $0Fiduciary activities
  • $5,338Service charges on deposit accounts
  • $0Trading account gains & fees
  • $2,868Additional noninterest income
  • $23,770Total noninterest expense
  • $10,679Salaries and employee benefits
  • $3,618Premises and equipment expense
  • $9,473Additional noninterest expense
  • $11,999Pre-tax net operating income
  • -$6Securities gains (losses)
  • $2,730Applicable income taxes
  • $9,263Income before extraordinary items
  • $0Extraordinary gains - net
  • $9,263Net income attributable to bank
  • $0Net charge-offs
  • $9,263Cash dividends
  • $2,423Sale, conversion, retirement of capital stock, net
  • $2,954Net operating income

Performance and Condition Ratios (December 31, 2010)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 0.79%Cost of funding earning assets
  • 4.52%Net interest margin
  • 1.24%Noninterest income to earning assets
  • 3.58%Noninterest expense to earning assets
  • 1.27%Net operating income to assets
  • 1.27%Return on assets (ROA)
  • 1.64%Pretax return on assets
  • 12.39%Return on equity (ROE)
  • 8.44%Retained earnings to average equity (YTD only)
  • 0.59%Net charge-offs to loans
  • 98.97%Credit loss provision to net charge-offs
  • 5.94%Efficiency ratio
  • 62,279Assets per employee
  • 3.33%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 31.89%Loss allowance to loans
  • 1.32%Loss allowance to noncurrent loans
  • 58.99%Noncurrent assets plus other real estate owned to assets
  • 1.34%Noncurrent loans to loans
  • 2.24%Net loans and leases to deposits
  • 70.07%Net loans and leases to core deposits
  • 83.78%Equity capital to assets
  • 10.96%Core capital (leverage) ratio
  • 10.96%Tier 1 risk-based capital ratio
  • 16.35%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $729,286Average earning assets
  • $74,756Average equity
  • $663,452Average loans

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