BNA Bank in New Albany, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


BNA Bank - Overview

  • General
  • FDIC Certificate #: 19448
    Status: Active
    Federal Reserve ID: 916745
    Bank Holding Company (Regulatory Top Holder): Bna Bancshares, Inc. (RSSDID: 3326176, Location: New Albany, MS)
    Date Established: January 01, 1896
    WWW: http://www.bnabank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 5 (Domestic: 5, Interstate: No)
    OTS Docket #: 15938
    FDIC's unique #: 13249
    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: June 03, 1965
    Last Structure Change Effective Date: November 01, 2007
    Last Structure Change Process Date: November 15, 2007
    Last Data Update: November 15, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 205 Bankhead Street, New Albany, MS 38652
    County: Union
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $406.7 mil
    Equity capital: $52.0 mil
    Deposits held in domestic offices: $338.7 mil
    Return on assets (ROA): 1.34% ($5.5 mil)
    Quarterly return on assets: 0.55% ($2.2 mil)
    Return on Equity (ROE): 10.39% ($5.4 mil)
    Quarterly return on equity: 4.15% ($2.2 mil)
    Net income: $5.5 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.69% ($6,873.9 mil)
    Quarterly Pretax return on assets: 0.61% ($2,481.1 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
  • 88Total employees (full-time equivalent)
  • $406,740Total assets
  • $13,535Cash and due from depository institutions
  • $7Interest-bearing balances
  • $145,504Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $214,463Net loans & leases
  • $4,369Loan loss allowance
  • $1,390Trading account assets
  • $5,872Bank premises and fixed assets
  • $8,717Other real estate owned
  • $488Goodwill and other intangibles
  • $406,740Life insurance assets
  • $16,771All other assets
  • $354,735Total liabilities and capital
  • $338,704Total liabilities
  • $308,710Total deposits
  • $338,704Interest-bearing deposits
  • $85Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $12,366Trading liabilities
  • $0Other borrowed funds
  • $3,665Subordinated debt
  • $52,005All other liabilities
  • $52,005Total equity capital
  • $52,005Total bank equity capital
  • $0Perpetual preferred stock
  • $9,000Common stock
  • $40,107Surplus
  • $2,898Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,820Income earned, not collected on loans
  • $0Earning assets
  • $2,196Long-term assets (5+ years)
  • $361,364Average Assets, year-to-date
  • $148,883Average Assets, quarterly
  • $409,519Volatile liabilities
  • $411,010Insider loans
  • $237,354FHLB advances
  • $408,585Loans and leases held for sale
  • $10,714Unused loan commitments
  • $3,713Tier 1 (core) risk-based capital
  • $48,842Tier 2 risk-based capital
  • $7,001Total risk weighted assets
  • $0Total unused commitments
  • $17,632Restructured Loans and leases
  • $549Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $19,067Total interest income
  • $4,252Total interest expense
  • $14,815Net interest income
  • $2,425Provision for loan and lease losses
  • $3,182Total noninterest income
  • $53Fiduciary activities
  • $1,167Service charges on deposit accounts
  • -$42Trading account gains & fees
  • $2,004Additional noninterest income
  • $8,674Total noninterest expense
  • $4,870Salaries and employee benefits
  • $1,001Premises and equipment expense
  • $2,803Additional noninterest expense
  • $6,898Pre-tax net operating income
  • $6Securities gains (losses)
  • $1,418Applicable income taxes
  • $5,486Income before extraordinary items
  • $0Extraordinary gains - net
  • $5,486Net income attributable to bank
  • $0Net charge-offs
  • $5,486Cash dividends
  • $1,926Sale, conversion, retirement of capital stock, net
  • $5,335Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.31%Yield on earning assets
  • 1.18%Cost of funding earning assets
  • 4.13%Net interest margin
  • 0.89%Noninterest income to earning assets
  • 2.42%Noninterest expense to earning assets
  • 1.34%Net operating income to assets
  • 1.34%Return on assets (ROA)
  • 1.69%Pretax return on assets
  • 10.39%Return on equity (ROE)
  • 0.29%Retained earnings to average equity (YTD only)
  • 0.87%Net charge-offs to loans
  • 125.91%Credit loss provision to net charge-offs
  • 4.84%Efficiency ratio
  • 48,197Assets per employee
  • 4.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 97.25%Loss allowance to loans
  • 2.00%Loss allowance to noncurrent loans
  • 114.37%Noncurrent assets plus other real estate owned to assets
  • 3.08%Noncurrent loans to loans
  • 1.75%Net loans and leases to deposits
  • 63.32%Net loans and leases to core deposits
  • 69.59%Equity capital to assets
  • 12.79%Core capital (leverage) ratio
  • 11.95%Tier 1 risk-based capital ratio
  • 20.58%Total risk-based capital ratio
  • Memoranda
  • $22Average assets
  • $409,519Average earning assets
  • $52,818Average equity
  • $358,865Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $19,594Managed Assets
  • 1Number of Accounts
  • $12,322Personal trust and agency accounts
  • $8,758Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,564Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 130Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $7,272Other retirement accounts
  • $11Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $6,697Fiduciary accounts held in foreign offices

List of branches

  • 5 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    013249Bna Bank205 Bankhead Street, New Albany, MS 38652January 01, 1896Full Service Brick and Mortar
    2248353Myrtle Branch1181 Springdale Ave., Myrtle, MS 38650July 26, 1974Full Service Brick and Mortar
    3248354East Branch132 Ushwy 15, New Albany, MS 38652March 10, 1978Full Service Brick and Mortar
    5248356West Branch103 Highway West, New Albany, MS 38652May 18, 1998Full Service Brick and Mortar
    6470078Mccullough Branch3041 Mccullough Boulevard, Belden, MS 38826November 05, 2007Full Service Brick and Mortar

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