Bank of Brookhaven in Brookhaven, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Bank of Brookhaven in Brookhaven, Mississippi (MS)
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Bank of Brookhaven - Overview

  • General
  • FDIC Certificate #: 35439
    Status: Active
    Federal Reserve ID: 2877831
    Date Established: January 31, 2000
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 1 (Domestic: 1, Interstate: No)
    FDIC's unique #: 80038
    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: January 31, 2000
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 411 Brookway Boulevard, Brookhaven, MS 39601
    County: Lincoln
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Jackson Ms
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Brookhaven, MS (#15020)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $125.4 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $109.0 mil
    Return on assets (ROA): 0.88% ($1.1 mil)
    Quarterly return on assets: 0.41% ($0.5 mil)
    Return on Equity (ROE): 7.73% ($1.1 mil)
    Quarterly return on equity: 3.55% ($0.5 mil)
    Net income: $1.1 mil
    Quarterly Net income: $0.1 mil
    Pretax return on assets: 1.22% ($1,529.5 mil)
    Quarterly Pretax return on assets: 0.58% ($727.2 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
  • 27Total employees (full-time equivalent)
  • $125,371Total assets
  • $11,861Cash and due from depository institutions
  • $7,892Interest-bearing balances
  • $43,188Securities
  • $550Federal funds sold & reverse repurchase agreements
  • $62,879Net loans & leases
  • $1,107Loan loss allowance
  • $0Trading account assets
  • $2,478Bank premises and fixed assets
  • $543Other real estate owned
  • $0Goodwill and other intangibles
  • $125,371Life insurance assets
  • $3,872All other assets
  • $111,047Total liabilities and capital
  • $109,018Total liabilities
  • $90,767Total deposits
  • $109,018Interest-bearing deposits
  • $68Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $2,029Subordinated debt
  • $14,324All other liabilities
  • $14,324Total equity capital
  • $14,324Total bank equity capital
  • $0Perpetual preferred stock
  • $2,133Common stock
  • $6,477Surplus
  • $5,714Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $66Income earned, not collected on loans
  • $0Earning assets
  • $541Long-term assets (5+ years)
  • $114,509Average Assets, year-to-date
  • $22,143Average Assets, quarterly
  • $122,667Volatile liabilities
  • $124,266Insider loans
  • $78,378FHLB advances
  • $123,360Loans and leases held for sale
  • $1,889Unused loan commitments
  • $1,889Tier 1 (core) risk-based capital
  • $13,318Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $4,537Restructured Loans and leases
  • $3,781Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,022Total interest income
  • $819Total interest expense
  • $4,203Net interest income
  • $0Provision for loan and lease losses
  • $1,047Total noninterest income
  • $21Fiduciary activities
  • $737Service charges on deposit accounts
  • $0Trading account gains & fees
  • $289Additional noninterest income
  • $3,797Total noninterest expense
  • $1,958Salaries and employee benefits
  • $348Premises and equipment expense
  • $1,491Additional noninterest expense
  • $1,453Pre-tax net operating income
  • $49Securities gains (losses)
  • $427Applicable income taxes
  • $1,075Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,075Net income attributable to bank
  • $0Net charge-offs
  • $1,075Cash dividends
  • $3Sale, conversion, retirement of capital stock, net
  • $375Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.50%Yield on earning assets
  • 0.73%Cost of funding earning assets
  • 3.77%Net interest margin
  • 0.94%Noninterest income to earning assets
  • 3.40%Noninterest expense to earning assets
  • 0.85%Net operating income to assets
  • 0.88%Return on assets (ROA)
  • 1.22%Pretax return on assets
  • 7.73%Return on equity (ROE)
  • 5.04%Retained earnings to average equity (YTD only)
  • 0.00%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 484.33%Efficiency ratio
  • 72,324Assets per employee
  • 4.64%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 34.88%Loss allowance to loans
  • 1.73%Loss allowance to noncurrent loans
  • 1677.27%Noncurrent assets plus other real estate owned to assets
  • 0.49%Noncurrent loans to loans
  • 0.10%Net loans and leases to deposits
  • 57.68%Net loans and leases to core deposits
  • 58.62%Equity capital to assets
  • 11.43%Core capital (leverage) ratio
  • 10.80%Tier 1 risk-based capital ratio
  • 16.99%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $122,667Average earning assets
  • $13,900Average equity
  • $111,614Average 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
  • $7,349Managed Assets
  • 1Number of Accounts
  • $1,435Personal trust and agency accounts
  • $1,435Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 18Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $5,914Other retirement accounts
  • $5,206Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $708Fiduciary accounts held in foreign offices

List of branches

  • 1 Mississippi Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    080038Bank Of Brookhaven411 Brookway Boulevard, Brookhaven, MS 39601January 31, 2000Full Service Brick and Mortar

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