Mississippi River Bank in Belle Chasse, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Mississippi River Bank in Belle Chasse, Louisiana (LA)
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Mississippi River Bank - Overview

  • General
  • FDIC Certificate #: 23222
    Status: Active
    Federal Reserve ID: 742636
    Date Established: October 10, 1980
    WWW: http://www.mississippiriverbank.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11791
    FDIC's unique #: 16275
    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: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: October 10, 1980
    Last Structure Change Effective Date: Febuary 25, 2008
    Last Structure Change Process Date: April 02, 2008
    Last Data Update: April 02, 2008
    Data Source Date: April 05, 2012
  • Location
  • Address: 8435 Hwy 23, Belle Chasse, LA 70037
    County: Plaquemines
    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): New Orleans, LA (#5560)
    Combined Statistical Area (CSA): New Orleans-Metairie-Bogalusa, LA (#406)
    Core Based Statistical Area (CBSA): New Orleans-Metairie-Kenner, LA (#35380)
    CBSA Metro Statistical Area: New Orleans-Metairie-Kenner, LA (#35380)
  • Financial Summary
  • Total assets: $157.5 mil
    Equity capital: $17.7 mil
    Deposits held in domestic offices: $134.3 mil
    Return on assets (ROA): 1.69% ($2.7 mil)
    Quarterly return on assets: 1.38% ($2.2 mil)
    Return on Equity (ROE): 15.24% ($2.7 mil)
    Quarterly return on equity: 11.60% ($2.1 mil)
    Net income: $3.1 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 2.37% ($3,733.2 mil)
    Quarterly Pretax return on assets: 2.44% ($3,843.5 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
  • 30Total employees (full-time equivalent)
  • $157,519Total assets
  • $12,212Cash and due from depository institutions
  • $9,421Interest-bearing balances
  • $60,230Securities
  • $2,300Federal funds sold & reverse repurchase agreements
  • $79,050Net loans & leases
  • $1,207Loan loss allowance
  • $0Trading account assets
  • $1,550Bank premises and fixed assets
  • $1,047Other real estate owned
  • $0Goodwill and other intangibles
  • $157,519Life insurance assets
  • $1,130All other assets
  • $139,815Total liabilities and capital
  • $134,290Total liabilities
  • $75,496Total deposits
  • $134,290Interest-bearing deposits
  • $82Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $5,525Subordinated debt
  • $17,704All other liabilities
  • $17,704Total equity capital
  • $17,704Total bank equity capital
  • $0Perpetual preferred stock
  • $633Common stock
  • $16,367Surplus
  • $704Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,687Income earned, not collected on loans
  • $0Earning assets
  • $624Long-term assets (5+ years)
  • $151,001Average Assets, year-to-date
  • $28,008Average Assets, quarterly
  • $184,521Volatile liabilities
  • $165,488Insider loans
  • $81,770FHLB advances
  • $164,328Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $17,170Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,533Restructured Loans and leases
  • $2,462Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $7,812Total interest income
  • $256Total interest expense
  • $7,556Net interest income
  • $10Provision for loan and lease losses
  • $535Total noninterest income
  • $0Fiduciary activities
  • $470Service charges on deposit accounts
  • $0Trading account gains & fees
  • $65Additional noninterest income
  • $4,342Total noninterest expense
  • $2,685Salaries and employee benefits
  • $390Premises and equipment expense
  • $1,267Additional noninterest expense
  • $3,739Pre-tax net operating income
  • $642Securities gains (losses)
  • $1,255Applicable income taxes
  • $3,126Income before extraordinary items
  • $0Extraordinary gains - net
  • $3,126Net income attributable to bank
  • $0Net charge-offs
  • $3,126Cash dividends
  • -$11Sale, conversion, retirement of capital stock, net
  • $901Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.40%Yield on earning assets
  • 0.14%Cost of funding earning assets
  • 4.25%Net interest margin
  • 0.30%Noninterest income to earning assets
  • 2.44%Noninterest expense to earning assets
  • 1.45%Net operating income to assets
  • 1.69%Return on assets (ROA)
  • 2.37%Pretax return on assets
  • 15.24%Return on equity (ROE)
  • 10.84%Retained earnings to average equity (YTD only)
  • -0.01%Net charge-offs to loans
  • -90.91%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 53,665Assets per employee
  • 5.25%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 28.82%Loss allowance to loans
  • 1.50%Loss allowance to noncurrent loans
  • 71.55%Noncurrent assets plus other real estate owned to assets
  • 1.74%Noncurrent loans to loans
  • 2.10%Net loans and leases to deposits
  • 58.87%Net loans and leases to core deposits
  • 60.80%Equity capital to assets
  • 11.24%Core capital (leverage) ratio
  • 10.45%Tier 1 risk-based capital ratio
  • 21.00%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $184,521Average earning assets
  • $20,517Average equity
  • $177,664Average loans

List of branches

  • 3 Louisiana Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    016275Mississippi River Bank8435 Hwy 23, Belle Chasse, LA 70037October 10, 1980Full Service Brick and Mortar
    1256071Buras /port Sulphur Branch27104 Highway 23, Port Sulphur, LA 70083Febuary 01, 1982Full Service Brick and Mortar
    3256072Harvey Branch1440 Lapalco Boulevard, Harvey, LA 70058March 10, 1992Full Service Brick and Mortar

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