First National Bank in Rosedale, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 04, 2010

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

First National Bank - Overview

  • General
  • FDIC Certificate #: 15814
    Status: Inactive
    Closing history: Absorption - Assisted
    Acquiring institution: The Jefferson Bank (#11445)
    Federal Reserve ID: 85043
    Date Established: March 13, 1907
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 1 (Interstate: No)
    FDIC's unique #: 10058
    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: April 30, 1941
    Last Structure Change Effective Date: June 04, 2010
    Last Structure Change Process Date: June 07, 2010
    Last Data Update: June 07, 2010
    Data Source Date: April 05, 2012
  • Location
  • Address: Main Street, Rosedale, MS 38769
    County: Bolivar
    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): Cleveland, MS (#17380)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $60.4 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, 2009)

  • Dollar figures in thousands
  • 14Total employees (full-time equivalent)
  • $75,917Total assets
  • $2,685Cash and due from depository institutions
  • $0Interest-bearing balances
  • $3,374Securities
  • $1,200Federal funds sold & reverse repurchase agreements
  • $63,057Net loans & leases
  • $546Loan loss allowance
  • $0Trading account assets
  • $411Bank premises and fixed assets
  • $894Other real estate owned
  • $0Goodwill and other intangibles
  • $69Life insurance assets
  • $4,296All other assets
  • $75,917Total liabilities and capital
  • $65,573Total liabilities
  • $65,362Total deposits
  • $56,632Interest-bearing deposits
  • $65,362Deposits held in domestic offices
  • 91.93%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $211All other liabilities
  • $10,344Total equity capital
  • $10,344Total bank equity capital
  • $10,344Perpetual preferred stock
  • $0Common stock
  • $303Surplus
  • $1,207Undivided profits
  • Memoranda
  • $8,834Noncurrent loans and leases
  • $16,309Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $226Earning assets
  • $0Long-term assets (5+ years)
  • $3,510Average Assets, year-to-date
  • $67,631Average Assets, quarterly
  • $479Volatile liabilities
  • $73,697Insider loans
  • $80,975FHLB advances
  • $31,028Loans and leases held for sale
  • $227Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $16,309Total unused commitments
  • $0Restructured Loans and leases
  • $546Derivatives

Income and Expense (December 31, 2009)

  • Dollar figures in thousands
  • $7,887Total interest income
  • $1,548Total interest expense
  • $6,339Net interest income
  • $1,144Provision for loan and lease losses
  • $389Total noninterest income
  • $0Fiduciary activities
  • $86Service charges on deposit accounts
  • $0Trading account gains & fees
  • $303Additional noninterest income
  • $3,278Total noninterest expense
  • $2,056Salaries and employee benefits
  • $250Premises and equipment expense
  • $972Additional noninterest expense
  • $2,306Pre-tax net operating income
  • $0Securities gains (losses)
  • $893Applicable income taxes
  • $1,413Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,413Net income attributable to bank
  • $0Net charge-offs
  • $1,413Cash dividends
  • $1,172Sale, conversion, retirement of capital stock, net
  • $227Net operating income

Performance and Condition Ratios (December 31, 2009)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 11.72%Yield on earning assets
  • 2.30%Cost of funding earning assets
  • 9.42%Net interest margin
  • 0.58%Noninterest income to earning assets
  • 4.87%Noninterest expense to earning assets
  • 1.92%Net operating income to assets
  • 1.92%Return on assets (ROA)
  • 3.13%Pretax return on assets
  • 14.31%Return on equity (ROE)
  • 12.01%Retained earnings to average equity (YTD only)
  • 1.88%Net charge-offs to loans
  • 97.61%Credit loss provision to net charge-offs
  • 2.94%Efficiency ratio
  • 48,722Assets per employee
  • 5.42%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 16.07%Loss allowance to loans
  • 0.86%Loss allowance to noncurrent loans
  • 241.59%Noncurrent assets plus other real estate owned to assets
  • 1.48%Noncurrent loans to loans
  • 0.36%Net loans and leases to deposits
  • 96.47%Net loans and leases to core deposits
  • 183.66%Equity capital to assets
  • 13.63%Core capital (leverage) ratio
  • 12.69%Tier 1 risk-based capital ratio
  • 15.74%Total risk-based capital ratio
  • Memoranda
  • $17Average assets
  • $73,697Average earning assets
  • $9,876Average equity
  • $67,289Average loans

Comment about this bank, ask questions, or add new information about it:


This web site is not associated with, endorsed by, or sponsored by and has no official or unofficial affiliation with First National Bank.
Based on public records. Inadvertent errors are possible. does not guarantee the accuracy or timeliness of any information on this site.  Use at your own risk.
Table of Contents