MBL Bank in Minden, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • MBL Bank in Minden, Louisiana (LA)
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MBL Bank - Overview

  • General
  • FDIC Certificate #: 29829
    Status: Active
    Federal Reserve ID: 143073
    Date Established: January 01, 1910
    WWW: http://www.mblminden.com
    Trust Powers Granted: No
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    Offices: 2 (Domestic: 2, Interstate: No)
    OTS Docket #: 4157
    FDIC's unique #: 42663
    Numeric code: 35
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    FDIC Insured: Yes
    Insured Savings Institution: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: All Other Specialization < 1 Billion
    Date of Deposit Insurance: December 24, 1936
    Last Structure Change Effective Date: July 21, 2011
    Last Structure Change Process Date: July 21, 2011
    Last Data Update: July 21, 2011
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Mbl Bank Drive, Minden, LA 71058
    County: Webster
    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): Shreveport-Bossier City, LA (#7680)
    Combined Statistical Area (CSA): Shreveport-Bossier City-Minden, LA (#508)
    Core Based Statistical Area (CBSA): Minden, LA (#33380)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Change in Primary Regulatory Agency
  • Financial Summary
  • Total assets: $264.6 mil
    Equity capital: $32.9 mil
    Deposits held in domestic offices: $229.9 mil
    Return on assets (ROA): 1.11% ($2.9 mil)
    Quarterly return on assets: 0.87% ($2.3 mil)
    Return on Equity (ROE): 9.01% ($3.0 mil)
    Quarterly return on equity: 6.75% ($2.2 mil)
    Net income: $2.7 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.68% ($4,445.2 mil)
    Quarterly Pretax return on assets: 1.33% ($3,519.1 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
  • 32Total employees (full-time equivalent)
  • $264,596Total assets
  • $50,232Cash and due from depository institutions
  • $46,734Interest-bearing balances
  • $72,955Securities
  • $2,175Federal funds sold & reverse repurchase agreements
  • $131,454Net loans & leases
  • $1,625Loan loss allowance
  • $0Trading account assets
  • $5,418Bank premises and fixed assets
  • $0Other real estate owned
  • $0Goodwill and other intangibles
  • $264,596Life insurance assets
  • $2,362All other assets
  • $231,709Total liabilities and capital
  • $229,877Total liabilities
  • $185,884Total deposits
  • $229,877Interest-bearing deposits
  • $70Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,832Subordinated debt
  • $32,887All other liabilities
  • $32,887Total equity capital
  • $32,887Total bank equity capital
  • $0Perpetual preferred stock
  • $1Common stock
  • $12,354Surplus
  • $20,532Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $426Income earned, not collected on loans
  • $0Earning assets
  • $715Long-term assets (5+ years)
  • $253,318Average Assets, year-to-date
  • $0Average Assets, quarterly
  • $244,453Volatile liabilities
  • $251,957Insider loans
  • $124,924FHLB advances
  • $263,999Loans and leases held for sale
  • $616Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $32,493Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $7,177Restructured Loans and leases
  • $2,281Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $9,177Total interest income
  • $1,508Total interest expense
  • $7,669Net interest income
  • $370Provision for loan and lease losses
  • $1,010Total noninterest income
  • $0Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,010Additional noninterest income
  • $4,376Total noninterest expense
  • $2,406Salaries and employee benefits
  • $1,081Premises and equipment expense
  • $889Additional noninterest expense
  • $3,933Pre-tax net operating income
  • $177Securities gains (losses)
  • $1,398Applicable income taxes
  • $2,712Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,712Net income attributable to bank
  • $0Net charge-offs
  • $2,712Cash dividends
  • $31Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 3.93%Yield on earning assets
  • 0.65%Cost of funding earning assets
  • 3.28%Net interest margin
  • 0.43%Noninterest income to earning assets
  • 1.87%Noninterest expense to earning assets
  • 1.06%Net operating income to assets
  • 1.11%Return on assets (ROA)
  • 1.68%Pretax return on assets
  • 9.01%Return on equity (ROE)
  • 9.01%Retained earnings to average equity (YTD only)
  • 0.02%Net charge-offs to loans
  • 1193.55%Credit loss provision to net charge-offs
  • 138.81%Efficiency ratio
  • 50,421Assets per employee
  • 8.27%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.22%Loss allowance to noncurrent loans
  • 381.46%Noncurrent assets plus other real estate owned to assets
  • 0.16%Noncurrent loans to loans
  • 0.32%Net loans and leases to deposits
  • 57.18%Net loans and leases to core deposits
  • 61.10%Equity capital to assets
  • 12.43%Core capital (leverage) ratio
  • 12.31%Tier 1 risk-based capital ratio
  • 26.01%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $244,453Average earning assets
  • $30,085Average equity
  • $233,709Average loans

List of branches

  • 2 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    042663Mbl Bank100 Mbl Bank Drive, Minden, LA 71058January 01, 1910Full Service Brick and Mortar
    1466690Main Street Branch415 Main Street, Minden, LA 71058March 27, 2007Full Service Brick and Mortar

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