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

This bank is inactive as of September 01, 1998

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

Deposit Guaranty National Bank - Overview

  • General
  • FDIC Certificate #: 9784
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: First American National Bank (#4956)
    Federal Reserve ID: 400637
    Date Established: June 15, 1925
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 160 (Interstate: No)
    OTS Docket #: 14697
    FDIC's unique #: 6265
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Oakar Institutions: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: September 01, 1998
    Last Structure Change Process Date: September 23, 1998
    Last Data Update: September 23, 1998
    Data Source Date: April 05, 2012
  • Location
  • Address: 210 East Capitol Street, Jackson, MS 39205
    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: $7,289.4 mil

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Assets and Liabilities (December 31, 1997)

  • Dollar figures in thousands
  • 2,929Total employees (full-time equivalent)
  • $6,947,491Total assets
  • $451,111Cash and due from depository institutions
  • $201Interest-bearing balances
  • $1,593,625Securities
  • $59,260Federal funds sold & reverse repurchase agreements
  • $4,371,641Net loans & leases
  • $64,651Loan loss allowance
  • $1,459Trading account assets
  • $160,063Bank premises and fixed assets
  • $4,478Other real estate owned
  • $176,868Goodwill and other intangibles
  • $0Life insurance assets
  • $128,986All other assets
  • $6,947,491Total liabilities and capital
  • $6,255,305Total liabilities
  • $5,409,522Total deposits
  • $4,103,664Interest-bearing deposits
  • $5,409,522Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $524,439Federal funds purchased & repurchase agreements
  • $10Trading liabilities
  • $268,352Other borrowed funds
  • $0Subordinated debt
  • $52,982All other liabilities
  • $692,186Total equity capital
  • $692,186Total bank equity capital
  • $692,186Perpetual preferred stock
  • $0Common stock
  • $200Surplus
  • $423,529Undivided profits
  • Memoranda
  • $268,457Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $33,927Earning assets
  • $324Long-term assets (5+ years)
  • $39,789Average Assets, year-to-date
  • $6,026,186Average Assets, quarterly
  • $1,921,351Volatile liabilities
  • $6,887,058Insider loans
  • $6,888,500FHLB advances
  • $1,174,960Loans and leases held for sale
  • $117,568Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $241,178Total risk weighted assets
  • $1,235,542Total unused commitments
  • $0Restructured Loans and leases
  • $4,976,854Derivatives

Income and Expense (December 31, 1997)

  • Dollar figures in thousands
  • $489,241Total interest income
  • $198,689Total interest expense
  • $290,552Net interest income
  • $7,500Provision for loan and lease losses
  • $130,503Total noninterest income
  • $19,084Fiduciary activities
  • $45,955Service charges on deposit accounts
  • $3,472Trading account gains & fees
  • $61,992Additional noninterest income
  • $264,420Total noninterest expense
  • $116,426Salaries and employee benefits
  • $34,523Premises and equipment expense
  • $113,471Additional noninterest expense
  • $149,135Pre-tax net operating income
  • $2,089Securities gains (losses)
  • $53,505Applicable income taxes
  • $97,719Income before extraordinary items
  • $0Extraordinary gains - net
  • $97,719Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $12,595Sale, conversion, retirement of capital stock, net
  • $140,499Net operating income

Performance and Condition Ratios (December 31, 1997)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 8.18%Yield on earning assets
  • 3.32%Cost of funding earning assets
  • 4.86%Net interest margin
  • 2.18%Noninterest income to earning assets
  • 4.42%Noninterest expense to earning assets
  • 1.40%Net operating income to assets
  • 1.42%Return on assets (ROA)
  • 2.20%Pretax return on assets
  • 14.05%Return on equity (ROE)
  • -6.15%Retained earnings to average equity (YTD only)
  • 0.29%Net charge-offs to loans
  • 59.55%Credit loss provision to net charge-offs
  • 12.44%Efficiency ratio
  • 58,601Assets per employee
  • 2.37%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 143.78%Loss allowance to loans
  • 1.46%Loss allowance to noncurrent loans
  • 190.56%Noncurrent assets plus other real estate owned to assets
  • 0.55%Noncurrent loans to loans
  • 0.76%Net loans and leases to deposits
  • 80.81%Net loans and leases to core deposits
  • 88.72%Equity capital to assets
  • 9.96%Core capital (leverage) ratio
  • 8.37%Tier 1 risk-based capital ratio
  • 11.09%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $6,887,058Average earning assets
  • $695,413Average equity
  • $5,981,739Average loans
1
Karen Isaac
Jun 3, 2022 @ 3:03 am
I’m am wondering what happened to the Easy Save Account I opened with the Deposit Guaranty National Bank on April 13,1995. It was open in Starkville Mississippi they just closed down with no information concerning my account and I have heard nothing from the bank. Concern Customer Karen Isaac
2
Willard Cantrell
Jul 13, 2023 @ 5:17 pm
What do I need to do to withdraw the funds from my cd I had with deposit guaranty national bank
3
Jennifer Weeks
Oct 27, 2023 @ 2:14 pm
What do i do about a savings account opened in 1994 , i have all original paperwork & receipts, at the deposit guarantee national bank !?!?
4
Dec 19, 2023 @ 8:08 am
How do I retrieve funds from my Easy Save account opened on August 29,1994?

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