The Calcasieu-Marine National Bank of Lake Charles in Lake Charles, Louisiana (LA)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of August 26, 1996

  • 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 - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Summary
  • Total 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
  • 0Total employees (full-time equivalent)
  • $438Total assets
  • $773,606Cash and due from depository institutions
  • $49,253Interest-bearing balances
  • $101Securities
  • $302,148Federal funds sold & reverse repurchase agreements
  • $12,400Net loans & leases
  • $344,712Loan loss allowance
  • $2,739Trading account assets
  • $0Bank premises and fixed assets
  • $52,790Other real estate owned
  • $1,025Goodwill and other intangibles
  • $11,278Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $773,606Total liabilities
  • $662,584Total deposits
  • $607,646Interest-bearing deposits
  • $439,366Deposits held in domestic offices
  • 607646.00%% insured (estimated)
  • $77Federal funds purchased & repurchase agreements
  • $40,227Trading liabilities
  • $0Other borrowed funds
  • $1,422Subordinated debt
  • $0All other liabilities
  • $13,289Total equity capital
  • $13,289Total bank equity capital
  • $111,022Perpetual preferred stock
  • $0Common stock
  • $10,500Surplus
  • $10,500Undivided profits
  • Memoranda
  • $90,022Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,996Income earned, not collected on loans
  • $2,708Earning assets
  • $659,361Long-term assets (5+ years)
  • $108,131Average Assets, year-to-date
  • $791,879Average Assets, quarterly
  • $763,176Volatile liabilities
  • $134,317Insider loans
  • $1,249FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $72,586Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $110,516Total risk weighted assets
  • $423,009Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1995)

  • Dollar figures in thousands
  • $0Total interest income
  • $54,492Total interest expense
  • $19,360Net interest income
  • $35,132Provision for loan and lease losses
  • $200Total noninterest income
  • $9,200Fiduciary activities
  • $740Service charges on deposit accounts
  • $6,744Trading account gains & fees
  • $18Additional noninterest income
  • $1,698Total noninterest expense
  • $27,945Salaries and employee benefits
  • $13,058Premises and equipment expense
  • $5,131Additional noninterest expense
  • $9,756Pre-tax net operating income
  • $16,187Securities gains (losses)
  • $2,080Applicable income taxes
  • $6,050Income before extraordinary items
  • $12,217Extraordinary gains - net
  • $0Net income attributable to bank
  • $12,217Net charge-offs
  • $1,079Cash dividends
  • $6,730Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1995)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 7.97%Cost of funding earning assets
  • 2.83%Net interest margin
  • 5.14%Noninterest income to earning assets
  • 1.35%Noninterest expense to earning assets
  • 4.09%Net operating income to assets
  • 1.37%Return on assets (ROA)
  • 1.54%Pretax return on assets
  • 2.31%Return on equity (ROE)
  • 11.54%Retained earnings to average equity (YTD only)
  • 5.18%Net charge-offs to loans
  • 0.33%Credit loss provision to net charge-offs
  • 18.54%Efficiency ratio
  • 63,036Assets per employee
  • 1.77%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 55.09%Loss allowance to loans
  • 0.79%Loss allowance to noncurrent loans
  • 137.22%Noncurrent assets plus other real estate owned to assets
  • 0.39%Noncurrent loans to loans
  • 0.57%Net loans and leases to deposits
  • 56.73%Net loans and leases to core deposits
  • 67.12%Equity capital to assets
  • 14.35%Core capital (leverage) ratio
  • 14.69%Tier 1 risk-based capital ratio
  • 26.13%Total risk-based capital ratio
  • Memoranda
  • $27Average assets
  • $791,879Average earning assets
  • $105,889Average equity
  • $683,688Average loans

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