FDIC Certificate #: 35439 Status: Active Federal Reserve ID: 2877831 Date Established: January 31, 2000 WWW:http://www.bankofbrookhaven.com 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
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