The Calcasieu-Marine National Bank of Lake Charles in Lake Charles, Louisiana (LA)



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The Calcasieu-Marine National Bank of Lake Charles
GeneralFDIC Certificate #: 14610
Status: Inactive
Closing history: Merger - Without Assistance
Acquiring institution: Capital One, National Association (#4297)
Federal Reserve ID: 227535
Date Established: January 01, 1934
Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
Offices: 21 (Interstate: No)
OTS Docket #: 10196
FDIC's unique #: 9133
Numeric code: 3
Regulator: OCC
Insurance Fund Membership: Bank Insurance Fund (BIF)
Bank Insurance Fund: Yes
Insured commercial Banks: Yes
FDIC Insured: Yes
State Chartered: No
Date of Deposit Insurance: July 28, 1934
Last Structure Change Effective Date: August 26, 1996
Last Structure Change Process Date: October 03, 1996
Last Data Update: October 03, 1996
Data Source Date: April 05, 2012
LocationAddress: 1 Lakeshore Drive, Lake Charles, LA 70629
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 SummaryTotal assets: $778.2 mil

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

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1995)
(Dollar figures in thousands)
Total employees (full-time equivalent)0
Total assets$438
Cash and due from depository institutions$773,606
Interest-bearing balances$49,253
Securities$101
Federal funds sold & reverse repurchase agreements$302,148
Net loans & leases$12,400
Loan loss allowance $344,712
Trading account assets$2,739
Bank premises and fixed assets$0
Other real estate owned$52,790
Goodwill and other intangibles$1,025
All other assets$0
Life insurance assets$11,278
Total liabilities and capital$0
Total liabilities$773,606
Total deposits$662,584
Interest-bearing deposits$607,646
Deposits held in domestic offices$439,366
% insured (estimated)607646.00%
Federal funds purchased & repurchase agreements $77
Trading liabilities$40,227
Other borrowed funds $0
Subordinated debt $1,422
All other liabilities $0
Total equity capital$13,289
Total bank equity capital$13,289
Perpetual preferred stock$111,022
Common stock$0
Surplus$10,500
Undivided profits $10,500
Memoranda
Noncurrent loans and leases $90,022
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,996
Earning assets $2,708
Long-term assets (5+ years) $659,361
Average Assets, year-to-date $108,131
Average Assets, quarterly $791,879
Volatile liabilities $763,176
Insider loans $134,317
FHLB advances $1,249
Loans and leases held for sale $0
Unused loan commitments $0
Tier 1 (core) risk-based capital $72,586
Tier 2 risk-based capital $0
Total risk weighted assets $110,516
Total unused commitments $423,009
Restructured Loans and leases $0
Derivatives$0
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Income and Expense (December 31, 1995)
(Dollar figures in thousands)
Total interest income $0
Total interest expense $54,492
Net interest income $19,360
Provision for loan and lease losses $35,132
Total noninterest income $200
Fiduciary activities $9,200
Service charges on deposit accounts $740
Trading account gains & fees $6,744
Additional noninterest income $18
Total noninterest expense $1,698
Salaries and employee benefits $27,945
Premises and equipment expense $13,058
Additional noninterest expense $5,131
Pre-tax net operating income $9,756
Securities gains (losses) $16,187
Applicable income taxes $2,080
Income before extraordinary items $6,050
Extraordinary gains - net $12,217
Net income attributable to bank $0
Net charge-offs $12,217
Cash dividends $1,079
Sale, conversion, retirement of capital stock, net $6,730
Net operating income $0
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Performance and Condition Ratios (December 31, 1995)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets0.00%
Cost of funding earning assets 7.97%
Net interest margin 2.83%
Noninterest income to earning assets 5.14%
Noninterest expense to earning assets 1.35%
Net operating income to assets 4.09%
Return on assets (ROA) 1.37%
Pretax return on assets 1.54%
Return on equity (ROE) 2.31%
Retained earnings to average equity (YTD only) 11.54%
Net charge-offs to loans 5.18%
Credit loss provision to net charge-offs 0.33%
Efficiency ratio18.54%
Assets per employee$63,036
Cash dividends to net income (YTD only)1.77%
Condition Ratios (%)
Loss allowance to loans 55.09%
Loss allowance to noncurrent loans 0.79%
Noncurrent assets plus other real estate owned to assets 137.22%
Noncurrent loans to loans 0.39%
Net loans and leases to deposits0.57%
Net loans and leases to core deposits 56.73%
Equity capital to assets 67.12%
Core capital (leverage) ratio 14.35%
Tier 1 risk-based capital ratio 14.69%
Total risk-based capital ratio 26.13%
Memoranda
Average assets$27
Average earning assets$791,879
Average equity $105,889
Average loans $683,688
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