Copiah Bank, National Association in Hazlehurst, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Copiah Bank, National Association in Hazlehurst, Mississippi (MS)
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Copiah Bank, National Association - Overview

  • General
  • FDIC Certificate #: 8231
    Status: Active
    Federal Reserve ID: 398837
    Bank Holding Company (Regulatory Top Holder): Copiah Bancshares, Inc. (RSSDID: 3319972, Location: Hazlehurst, MS)
    Date Established: October 26, 1891
    WWW: http://www.copiahbank.com
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 8 (Domestic: 8, Interstate: No)
    OTS Docket #: 9508
    FDIC's unique #: 5249
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    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: 101 Caldwell Drive, Hazlehurst, MS 39083
    County: Copiah
    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
    Combined Statistical Area (CSA): Jackson-Yazoo City, MS (#298)
    Core Based Statistical Area (CBSA): Jackson, MS (#27140)
    CBSA Metro Statistical Area: Jackson, MS (#27140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $159.0 mil
    Equity capital: $14.3 mil
    Deposits held in domestic offices: $143.3 mil
    Return on assets (ROA): 0.79% ($1.3 mil)
    Quarterly return on assets: 0.86% ($1.4 mil)
    Return on Equity (ROE): 8.86% ($1.2 mil)
    Quarterly return on equity: 9.74% ($1.4 mil)
    Net income: $1.2 mil
    Quarterly Net income: $0.3 mil
    Pretax return on assets: 1.18% ($1,875.9 mil)
    Quarterly Pretax return on assets: 1.31% ($2,082.5 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
  • 65Total employees (full-time equivalent)
  • $158,973Total assets
  • $16,034Cash and due from depository institutions
  • $11,650Interest-bearing balances
  • $15,150Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $116,954Net loans & leases
  • $1,220Loan loss allowance
  • $0Trading account assets
  • $5,178Bank premises and fixed assets
  • $1,358Other real estate owned
  • $0Goodwill and other intangibles
  • $158,973Life insurance assets
  • $4,299All other assets
  • $144,642Total liabilities and capital
  • $143,316Total liabilities
  • $108,883Total deposits
  • $143,316Interest-bearing deposits
  • $94Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $771Trading liabilities
  • $0Other borrowed funds
  • $555Subordinated debt
  • $14,331All other liabilities
  • $14,331Total equity capital
  • $14,331Total bank equity capital
  • $0Perpetual preferred stock
  • $760Common stock
  • $8,517Surplus
  • $5,054Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $716Income earned, not collected on loans
  • $0Earning assets
  • $726Long-term assets (5+ years)
  • $143,754Average Assets, year-to-date
  • $15,336Average Assets, quarterly
  • $156,971Volatile liabilities
  • $160,528Insider loans
  • $120,276FHLB advances
  • $161,534Loans and leases held for sale
  • $2,060Unused loan commitments
  • $2,060Tier 1 (core) risk-based capital
  • $14,448Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $12,523Restructured Loans and leases
  • $2,069Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $8,092Total interest income
  • $871Total interest expense
  • $7,221Net interest income
  • $249Provision for loan and lease losses
  • $1,620Total noninterest income
  • $0Fiduciary activities
  • $1,096Service charges on deposit accounts
  • $0Trading account gains & fees
  • $524Additional noninterest income
  • $6,564Total noninterest expense
  • $3,272Salaries and employee benefits
  • $1,183Premises and equipment expense
  • $2,109Additional noninterest expense
  • $2,028Pre-tax net operating income
  • -$177Securities gains (losses)
  • $618Applicable income taxes
  • $1,233Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,233Net income attributable to bank
  • $0Net charge-offs
  • $1,233Cash dividends
  • $121Sale, conversion, retirement of capital stock, net
  • $649Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.70%Yield on earning assets
  • 0.61%Cost of funding earning assets
  • 5.09%Net interest margin
  • 1.14%Noninterest income to earning assets
  • 4.63%Noninterest expense to earning assets
  • 0.86%Net operating income to assets
  • 0.79%Return on assets (ROA)
  • 1.18%Pretax return on assets
  • 8.86%Return on equity (ROE)
  • 4.19%Retained earnings to average equity (YTD only)
  • 0.10%Net charge-offs to loans
  • 205.79%Credit loss provision to net charge-offs
  • 18.82%Efficiency ratio
  • 74,245Assets per employee
  • 2.45%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 52.64%Loss allowance to loans
  • 1.03%Loss allowance to noncurrent loans
  • 170.39%Noncurrent assets plus other real estate owned to assets
  • 1.72%Noncurrent loans to loans
  • 0.61%Net loans and leases to deposits
  • 81.61%Net loans and leases to core deposits
  • 86.51%Equity capital to assets
  • 9.01%Core capital (leverage) ratio
  • 8.94%Tier 1 risk-based capital ratio
  • 12.01%Total risk-based capital ratio
  • Memoranda
  • $13Average assets
  • $156,971Average earning assets
  • $13,922Average equity
  • $141,889Average loans

List of branches

  • 8 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    05249Copiah Bank, National Association101 Caldwell Drive, Hazlehurst, MS 39083October 26, 1891Full Service Brick and Mortar
    3218147Caldwell Branch680 Caldwell Drive, Hazlehurst, MS 39083October 01, 1976Full Service Brick and Mortar
    4218148Wesson BranchHighway 51 And Church Street, Wesson, MS 39191May 26, 1981Full Service Brick and Mortar
    5218149Crystal Springs Branch201 East Railroad Avenue, Crystal Springs, MS 39059July 10, 1984Full Service Brick and Mortar
    7419206Byram Branch5754 Terry Road, Byram, MS 39272April 07, 2003Full Service Brick and Mortar
    9438795Florence Branch150 Earl Clark Drive, Florence, MS 39073August 30, 2004Full Service Brick and Mortar
    10493517Richland Office Branch129 Center Street, Richland, MS 39218Febuary 17, 2009Full Service Brick and Mortar
    11493518Clinton Office Branch767 Clinton Parkway, Clinton, MS 39056May 29, 2009Full Service Brick and Mortar

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