Consumer National Bank in Jackson, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 01, 2006

  • Consumer National Bank in Jackson, Mississippi (MS)
  • Show street view No street view available for this location

Consumer National Bank - Overview

  • General
  • FDIC Certificate #: 22120
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: State Bank & Trust Company (#8878)
    Federal Reserve ID: 261632
    Date Established: October 01, 1975
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 4 (Interstate: No)
    FDIC's unique #: 15367
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    State Chartered: No
    Date of Deposit Insurance: October 01, 1975
    Last Structure Change Effective Date: June 01, 2006
    Last Structure Change Process Date: July 11, 2006
    Last Data Update: July 11, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 140 West Pearl Street, Jackson, MS 39202
    County: Hinds
    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
    Metropolitan Statistical Area (MSA): Jackson, MS (#3560)
    Combined Statistical Area (CSA): Jackson-Yazoo City, MS (#298)
    Core Based Statistical Area (CBSA): Jackson, MS (#27140)
    CBSA Metro Statistical Area: Jackson, MS (#27140)
  • Financial Summary
  • Total assets: $59.4 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, 2005)

  • Dollar figures in thousands
  • 19Total employees (full-time equivalent)
  • $50,801Total assets
  • $3,869Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,452Securities
  • $150Federal funds sold & reverse repurchase agreements
  • $39,622Net loans & leases
  • $510Loan loss allowance
  • $0Trading account assets
  • $2,391Bank premises and fixed assets
  • $610Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $707All other assets
  • $50,801Total liabilities and capital
  • $47,174Total liabilities
  • $46,926Total deposits
  • $40,470Interest-bearing deposits
  • $46,926Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $248All other liabilities
  • $3,627Total equity capital
  • $3,627Total bank equity capital
  • $3,627Perpetual preferred stock
  • $0Common stock
  • $882Surplus
  • $1,404Undivided profits
  • Memoranda
  • $1,341Noncurrent loans and leases
  • $7,468Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $0Earning assets
  • $0Long-term assets (5+ years)
  • $409Average Assets, year-to-date
  • $43,224Average Assets, quarterly
  • $1,783Volatile liabilities
  • $44,520Insider loans
  • $49,458FHLB advances
  • $17,998Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $7,468Total unused commitments
  • $0Restructured Loans and leases
  • $510Derivatives

Income and Expense (December 31, 2005)

  • Dollar figures in thousands
  • $2,693Total interest income
  • $949Total interest expense
  • $1,744Net interest income
  • $183Provision for loan and lease losses
  • $487Total noninterest income
  • $0Fiduciary activities
  • $449Service charges on deposit accounts
  • $0Trading account gains & fees
  • $38Additional noninterest income
  • $1,740Total noninterest expense
  • $971Salaries and employee benefits
  • $287Premises and equipment expense
  • $482Additional noninterest expense
  • $308Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $308Income before extraordinary items
  • $0Extraordinary gains - net
  • $308Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $47Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 2005)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.91%Yield on earning assets
  • 2.44%Cost of funding earning assets
  • 4.48%Net interest margin
  • 1.25%Noninterest income to earning assets
  • 4.47%Noninterest expense to earning assets
  • 0.69%Net operating income to assets
  • 0.69%Return on assets (ROA)
  • 0.69%Pretax return on assets
  • 8.91%Return on equity (ROE)
  • 8.91%Retained earnings to average equity (YTD only)
  • 0.14%Net charge-offs to loans
  • 389.36%Credit loss provision to net charge-offs
  • 10.45%Efficiency ratio
  • 77,992Assets per employee
  • 2.67%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 1.27%Loss allowance to noncurrent loans
  • 0.00%Noncurrent assets plus other real estate owned to assets
  • 1.20%Noncurrent loans to loans
  • 0.00%Net loans and leases to deposits
  • 84.44%Net loans and leases to core deposits
  • 136.97%Equity capital to assets
  • 7.14%Core capital (leverage) ratio
  • 7.56%Tier 1 risk-based capital ratio
  • 8.66%Total risk-based capital ratio
  • Memoranda
  • $10Average assets
  • $44,520Average earning assets
  • $3,458Average equity
  • $38,954Average loans

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