MidSouth Bank, National Association in Lafayette, Louisiana (LA), TX
Overview, Financial Summary, Detailed Financial Reports, Branches

MidSouth Bank, National Association - Overview

  • General
  • FDIC Certificate #: 25884
    Status: Active
    Federal Reserve ID: 223331
    Bank Holding Company (Regulatory Top Holder): Midsouth Bancorp, Inc. (RSSDID: 1086654, Location: Lafayette, LA)
    Date Established: Febuary 07, 1985
    WWW: http://www.midsouthbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 44 (Domestic: 44, Interstate: Yes)
    OTS Docket #: 11275
    FDIC's unique #: 32127
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: Febuary 07, 1985
    Last Structure Change Effective Date: December 02, 2011
    Last Structure Change Process Date: January 09, 2012
    Last Data Update: January 09, 2012
    Data Source Date: April 05, 2012
  • Location
  • Address: 102 Versailles Blvd, Lafayette, LA 70501
    County: Lafayette
    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): Lafayette, LA (#3880)
    Combined Statistical Area (CSA): Lafayette-Acadiana, LA (#318)
    Core Based Statistical Area (CBSA): Lafayette, LA (#29180)
    CBSA Metro Statistical Area: Lafayette, LA (#29180)
  • History of Changes
  • Office Purchased
  • Financial Summary
  • Total assets: $1,396.1 mil
    Equity capital: $149.4 mil
    Deposits held in domestic offices: $1,192.9 mil
    Return on assets (ROA): 0.45% ($6.3 mil)
    Quarterly return on assets: 0.44% ($6.1 mil)
    Return on Equity (ROE): 3.96% ($5.9 mil)
    Quarterly return on equity: 4.01% ($6.0 mil)
    Net income: $5.2 mil
    Quarterly Net income: $1.4 mil
    Pretax return on assets: 0.53% ($7,399.4 mil)
    Quarterly Pretax return on assets: 0.55% ($7,678.6 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
  • 444Total employees (full-time equivalent)
  • $1,396,117Total assets
  • $83,613Cash and due from depository institutions
  • $56,838Interest-bearing balances
  • $467,713Securities
  • $400Federal funds sold & reverse repurchase agreements
  • $739,029Net loans & leases
  • $7,276Loan loss allowance
  • $0Trading account assets
  • $44,598Bank premises and fixed assets
  • $7,369Other real estate owned
  • $32,102Goodwill and other intangibles
  • $1,396,117Life insurance assets
  • $21,293All other assets
  • $1,246,735Total liabilities and capital
  • $1,192,853Total liabilities
  • $938,074Total deposits
  • $1,192,853Interest-bearing deposits
  • $81Deposits held in domestic offices
  • 46078.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $7,804Subordinated debt
  • $149,382All other liabilities
  • $149,382Total equity capital
  • $149,382Total bank equity capital
  • $0Perpetual preferred stock
  • $2,050Common stock
  • $73,095Surplus
  • $74,237Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $6,460Income earned, not collected on loans
  • $826Earning assets
  • $5,607Long-term assets (5+ years)
  • $1,263,980Average Assets, year-to-date
  • $481,045Average Assets, quarterly
  • $1,138,602Volatile liabilities
  • $1,308,691Insider loans
  • $850,893FHLB advances
  • $1,228,719Loans and leases held for sale
  • $4,853Unused loan commitments
  • $4,853Tier 1 (core) risk-based capital
  • $109,528Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $152,145Restructured Loans and leases
  • $1,980Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $51,008Total interest income
  • $5,712Total interest expense
  • $45,296Net interest income
  • $3,925Provision for loan and lease losses
  • $12,292Total noninterest income
  • $0Fiduciary activities
  • $6,921Service charges on deposit accounts
  • $0Trading account gains & fees
  • $5,371Additional noninterest income
  • $47,676Total noninterest expense
  • $21,763Salaries and employee benefits
  • $9,281Premises and equipment expense
  • $16,632Additional noninterest expense
  • $5,987Pre-tax net operating income
  • $99Securities gains (losses)
  • $911Applicable income taxes
  • $5,175Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,175Net income attributable to bank
  • $0Net charge-offs
  • $5,175Cash dividends
  • $5,462Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.92%Yield on earning assets
  • 0.55%Cost of funding earning assets
  • 4.37%Net interest margin
  • 1.18%Noninterest income to earning assets
  • 4.60%Noninterest expense to earning assets
  • 0.45%Net operating income to assets
  • 0.45%Return on assets (ROA)
  • 0.53%Pretax return on assets
  • 3.96%Return on equity (ROE)
  • 3.96%Retained earnings to average equity (YTD only)
  • 0.86%Net charge-offs to loans
  • 71.86%Credit loss provision to net charge-offs
  • 1.81%Efficiency ratio
  • 82,390Assets per employee
  • 3.14%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.97%Loss allowance to noncurrent loans
  • 112.63%Noncurrent assets plus other real estate owned to assets
  • 0.99%Noncurrent loans to loans
  • 0.87%Net loans and leases to deposits
  • 61.95%Net loans and leases to core deposits
  • 65.01%Equity capital to assets
  • 10.70%Core capital (leverage) ratio
  • 8.91%Tier 1 risk-based capital ratio
  • 12.87%Total risk-based capital ratio
  • Memoranda
  • $14Average assets
  • $1,138,602Average earning assets
  • $130,773Average equity
  • $1,037,325Average loans

List of branches

  • 32 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032127Midsouth Bank, National Association102 Versailles Blvd, Lafayette, LA 70501Febuary 07, 1985Full Service Brick and Mortar
    212341Breaux Bridge Branch728 Berard Street, Breaux Bridge, LA 70517October 07, 1961Full Service Brick and Mortar
    3245410Cecilia Branch1003 Eugene Calais Rd., Cecilia, LA 70521November 02, 1981Full Service Brick and Mortar
    5258360Pinhook Branch2014 Pinhook Road, Lafayette, LA 70508April 03, 1989Full Service Brick and Mortar
    6258361Jennings Branch1110 North Main, Jennings, LA 70546March 13, 1989Full Service Brick and Mortar
    716489Commerce/Energy Branch3730 Ambassador Caffery Parkway, Lafayette, LA 70505October 01, 1981Full Service Brick and Mortar
    8256426Oil Center Branch320 Heyman Boulevard, Lafayette, LA 70503March 14, 1983Full Service Brick and Mortar
    9256427Moss Street Branch2805 Moss Street, Lafayette, LA 70501June 05, 1985Full Service Brick and Mortar
    11258363Opelousas Branch930 South Union Street, Opelousas, LA 70570April 10, 1995Full Service Brick and Mortar
    1213502Sugarland Branch1527 West Main Street, Jeanerette, LA 70544May 27, 1967Full Service Brick and Mortar
    13249276Bonne Terre Branch2309 Old Jeanerette Road, New Iberia, LA 70560March 30, 1982Full Service Brick and Mortar
    14258364Super 1 Food Branch939 South Lewis Street, New Iberia, LA 70560October 18, 1995Full Service Retail
    15258365Super 1 - Ambassador Caffery Branch3747 Ambassador Caffery, Lafayette, LA 70503May 28, 1996Full Service Retail
    16258366Morgan City Branch1015 Brashear, Morgan City, LA 70380April 21, 1997Full Service Brick and Mortar
    17258367Lake Charles Branch4251 Nelson Road, Lake Charles, LA 70605June 01, 1998Full Service Brick and Mortar
    18258368T.M.c. Branch345 Doucet Road, Suite 102, Lafayette, LA 70506May 17, 1999Limited Service Loan Production
    19258369Caffery Branch2218 Ambassador Caffery, Lafayette, LA 70506August 16, 1999Full Service Brick and Mortar
    20258370Sulphur Branch1500 North Beglis Parkway, Sulphur, LA 70663January 13, 2000Full Service Brick and Mortar
    21340841East Admiral Doyle Branch631 East Admiral Doyle, New Iberia, LA 70560June 05, 2000Full Service Brick and Mortar
    22364833Thibodaux Branch317 N Canal Blvd, Thibodaux, LA 70301Febuary 01, 2002Full Service Brick and Mortar
    24445303Baton Rouge Branch9618 Jefferson Highway, Baton Rouge, LA 70809August 01, 2005Full Service Brick and Mortar
    25448874River Ranch Branch1200 Camellia Boulevard, Suite 104, Lafayette, LA 70508October 18, 2005Full Service Brick and Mortar
    26448943Houma Branch1214 St. Charles Avenue, Houma, LA 70360November 21, 2005Full Service Brick and Mortar
    27453321Johnston St Branch3601 Johnston St, Lafayette, LA 70501March 06, 2006Full Service Brick and Mortar
    28470083Lakeshore Drive Branch831 Lake Shore Drive, Lake Charles, LA 70601December 03, 2007Full Service Brick and Mortar
    35479313Cut Off Branch13924 W Main St., Cut Off, LA 70345September 04, 2007Full Service Brick and Mortar
    36479314Siegen Branch6677 Siegen Lane, Baton Rouge, LA 70809June 11, 2007Full Service Brick and Mortar
    37479315Towne Center Branch6919 Corporate Blvd, Baton Rouge, LA 70809April 28, 2008Full Service Brick and Mortar
    39510614Prospect Branch1963 Prospect Blvd, Houma, LA 70363July 06, 2009Full Service Brick and Mortar
    4517134Breaux Bridge Branch485 Mills Avenue, Breaux Bridge, LA 70517September 01, 1983Full Service Brick and Mortar
    4617011St. Martinville Branch200 West Port Street, St. Martinville, LA 70582May 13, 1983Full Service Brick and Mortar
    47257583North Lafayette Branch2701 Moss Street, Lafayette, LA 70501March 16, 1998Full Service Brick and Mortar
  • 12 Texas Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    2911984Beaumont Branch555 North Dowlen Road, Beaumont, TX 77706August 08, 1959Full Service Brick and Mortar
    30243795Beaumont Branch3200 Avenue A, Beaumont, TX 77705November 30, 1992Full Service Brick and Mortar
    31266160Vidor Branch1384 North Main, Vidor, TX 77662January 01, 1926Full Service Brick and Mortar
    33365304College Station Branch1912 Texas Avenue S., College Station, TX 77840November 23, 2001Full Service Brick and Mortar
    34451137Conroe Branch2101 N. Loop 336 W., Conroe, TX 77304October 03, 2005Full Service Brick and Mortar
    38479316Houston Branch2930 W Sam Houston Pkwy, Suite 150, Houston, TX 77043October 25, 2007Full Service Retail
    4056854Dallas Branch18333 Preston Road, Suite 100, Dallas, TX 75252July 08, 1996Full Service Brick and Mortar
    41437124Mesquite Branch2828 North Galloway, Mesquite, TX 75150January 31, 2005Full Service Brick and Mortar
    42440104Rockwall Branch2435 Ridge Road, Suite 117, Rockwall, TX 75032April 18, 2005Full Service Brick and Mortar
    43472059Fort Worth Branch100 East 15th Street, Suite 120, Fort Worth, TX 76102Febuary 25, 2008Full Service Brick and Mortar
    44476971Garland Road Branch9069 Garland Road, Dallas, TX 75218June 16, 2008Full Service Brick and Mortar
    48290910Tyler Branch1330 Old Omen Road, Tyler, TX 75701June 01, 1984Full Service Brick and Mortar

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