First National Bank of Holmes County in Lexington, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of June 26, 2000

  • First National Bank of Holmes County in Lexington, Mississippi (MS)
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First National Bank of Holmes County - Overview

  • General
  • FDIC Certificate #: 5004
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: BankPlus (#5903)
    Federal Reserve ID: 850344
    Date Established: April 19, 1929
    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 #: 3340
    Numeric code: 3
    Regulator: OCC
    Insurance Fund Membership: Bank Insurance Fund (BIF)
    Bank Insurance Fund: Yes
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    State Chartered: No
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: June 26, 2000
    Last Structure Change Process Date: June 29, 2000
    Last Data Update: June 29, 2000
    Data Source Date: April 05, 2012
  • Location
  • Address: 100 Court Square, Lexington, MS 39095
    County: Holmes
    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
  • Financial Summary
  • Total assets: $120.5 mil

1992 - 1999 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, 1999)

  • Dollar figures in thousands
  • 43Total employees (full-time equivalent)
  • $121,562Total assets
  • $3,302Cash and due from depository institutions
  • $0Interest-bearing balances
  • $49,623Securities
  • $0Federal funds sold & reverse repurchase agreements
  • $64,659Net loans & leases
  • $836Loan loss allowance
  • $0Trading account assets
  • $548Bank premises and fixed assets
  • $143Other real estate owned
  • $0Goodwill and other intangibles
  • $0Life insurance assets
  • $3,287All other assets
  • $121,562Total liabilities and capital
  • $107,857Total liabilities
  • $99,998Total deposits
  • $85,644Interest-bearing deposits
  • $99,998Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $2,050Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $3,000Other borrowed funds
  • $0Subordinated debt
  • $2,809All other liabilities
  • $13,705Total equity capital
  • $13,705Total bank equity capital
  • $13,705Perpetual preferred stock
  • $0Common stock
  • $391Surplus
  • $12,000Undivided profits
  • Memoranda
  • $1,314Noncurrent loans and leases
  • $5,490Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $0Income earned, not collected on loans
  • $557Earning assets
  • $173Long-term assets (5+ years)
  • $1,710Average Assets, year-to-date
  • $114,282Average Assets, quarterly
  • $28,421Volatile liabilities
  • $125,114Insider loans
  • $125,459FHLB advances
  • $28,441Loans and leases held for sale
  • $1,693Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $5,490Total unused commitments
  • $0Restructured Loans and leases
  • $836Derivatives

Income and Expense (December 31, 1999)

  • Dollar figures in thousands
  • $9,217Total interest income
  • $3,991Total interest expense
  • $5,226Net interest income
  • $120Provision for loan and lease losses
  • $1,077Total noninterest income
  • $0Fiduciary activities
  • $966Service charges on deposit accounts
  • $0Trading account gains & fees
  • $111Additional noninterest income
  • $2,842Total noninterest expense
  • $1,659Salaries and employee benefits
  • $365Premises and equipment expense
  • $818Additional noninterest expense
  • $3,341Pre-tax net operating income
  • -$77Securities gains (losses)
  • $884Applicable income taxes
  • $2,380Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,380Net income attributable to bank
  • $0Net charge-offs
  • $0Cash dividends
  • $117Sale, conversion, retirement of capital stock, net
  • $1,875Net operating income

Performance and Condition Ratios (December 31, 1999)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 7.80%Yield on earning assets
  • 3.38%Cost of funding earning assets
  • 4.42%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 2.40%Noninterest expense to earning assets
  • 1.95%Net operating income to assets
  • 1.90%Return on assets (ROA)
  • 2.61%Pretax return on assets
  • 16.29%Return on equity (ROE)
  • 3.46%Retained earnings to average equity (YTD only)
  • 0.19%Net charge-offs to loans
  • 102.56%Credit loss provision to net charge-offs
  • 29.58%Efficiency ratio
  • 45,090Assets per employee
  • 2.83%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 78.78%Loss allowance to loans
  • 1.28%Loss allowance to noncurrent loans
  • 150.09%Noncurrent assets plus other real estate owned to assets
  • 0.58%Noncurrent loans to loans
  • 0.85%Net loans and leases to deposits
  • 64.66%Net loans and leases to core deposits
  • 84.40%Equity capital to assets
  • 11.27%Core capital (leverage) ratio
  • 11.76%Tier 1 risk-based capital ratio
  • 19.90%Total risk-based capital ratio
  • Memoranda
  • $21Average assets
  • $125,114Average earning assets
  • $14,610Average equity
  • $118,182Average loans

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