Holmes County Bank & Trust Company in Lexington, Mississippi (MS)



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Holmes County Bank & Trust Company routing number info

Table of contents:
Holmes County Bank & Trust Company
GeneralFDIC Certificate #: 321
Status: Active
Federal Reserve ID: 725741
Bank Holding Company (Regulatory Top Holder): Holmes County Capital Corporation (RSSDID: 1119057, Location: Lexington, MS)
Date Established: January 01, 1932
WWW: http://www.holmesbk.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 4 (Domestic: 4, Interstate: No)
FDIC's unique #: 257
Numeric code: 21
Regulator: FDIC
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: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: All Other Specialization < 1 Billion
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
LocationAddress: 316 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
History of ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal assets: $116.2 mil
Equity capital: $13.1 mil
Deposits held in domestic offices: $101.2 mil
Return on assets (ROA): 0.63% ($0.7 mil)
Quarterly return on assets: 0.95% ($1.1 mil)
Return on Equity (ROE): 6.18% ($0.8 mil)
Quarterly return on equity: 8.52% ($1.1 mil)
Net income: $0.8 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.63% ($732.1 mil)
Quarterly Pretax return on assets: 0.95% ($1,104.0 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)
Total employees (full-time equivalent)28
Total assets$116,213
Cash and due from depository institutions$5,319
Interest-bearing balances$161
Securities$22,149
Federal funds sold & reverse repurchase agreements$18,946
Net loans & leases$62,018
Loan loss allowance $2,041
Trading account assets$0
Bank premises and fixed assets$1,595
Other real estate owned$687
Goodwill and other intangibles$0
All other assets$5,499
Life insurance assets$116,212
Total liabilities and capital$103,129
Total liabilities$101,186
Total deposits$84,977
Interest-bearing deposits$101,186
Deposits held in domestic offices$88
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,943
All other liabilities $13,083
Total equity capital$13,083
Total bank equity capital$13,083
Perpetual preferred stock$0
Common stock$440
Surplus$3,335
Undivided profits $9,308
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,310
Earning assets $0
Long-term assets (5+ years) $1,031
Average Assets, year-to-date $103,274
Average Assets, quarterly $15,743
Volatile liabilities $123,573
Insider loans $116,556
FHLB advances $77,539
Loans and leases held for sale $115,592
Unused loan commitments $3,809
Tier 1 (core) risk-based capital $2,933
Tier 2 risk-based capital $12,966
Total risk weighted assets $876
Total unused commitments $0
Restructured Loans and leases $6,624
Derivatives$625
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $5,545
Total interest expense $1,079
Net interest income $4,466
Provision for loan and lease losses $850
Total noninterest income $967
Fiduciary activities $4
Service charges on deposit accounts $711
Trading account gains & fees $0
Additional noninterest income $252
Total noninterest expense $3,803
Salaries and employee benefits $1,839
Premises and equipment expense $245
Additional noninterest expense $1,719
Pre-tax net operating income $780
Securities gains (losses) $0
Applicable income taxes $0
Income before extraordinary items $780
Extraordinary gains - net $0
Net income attributable to bank $780
Net charge-offs $0
Cash dividends $780
Sale, conversion, retirement of capital stock, net $342
Net operating income $231
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.20%
Cost of funding earning assets 1.01%
Net interest margin 4.19%
Noninterest income to earning assets 0.91%
Noninterest expense to earning assets 3.56%
Net operating income to assets 0.63%
Return on assets (ROA) 0.63%
Pretax return on assets 0.63%
Return on equity (ROE) 6.18%
Retained earnings to average equity (YTD only) 4.35%
Net charge-offs to loans 0.47%
Credit loss provision to net charge-offs 248.54%
Efficiency ratio4.77%
Assets per employee$68,894
Cash dividends to net income (YTD only)4.15%
Condition Ratios (%)
Loss allowance to loans 29.62%
Loss allowance to noncurrent loans 3.19%
Noncurrent assets plus other real estate owned to assets 61.66%
Noncurrent loans to loans 3.44%
Net loans and leases to deposits5.17%
Net loans and leases to core deposits 61.29%
Equity capital to assets 66.09%
Core capital (leverage) ratio 11.26%
Tier 1 risk-based capital ratio 11.22%
Total risk-based capital ratio 16.72%
Memoranda
Average assets$18
Average earning assets$123,573
Average equity $12,630
Average loans $106,692
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Total Fiduciary and Related Assets (December 31, 2011)
(Dollar figures in thousands)
Total fiduciary and related assets$1
Number of Fiduciary Accounts and Related Asset Accounts1
Fiduciary powers grantedYes
Fiduciary or related activityYes
Managed Assets$8,395
Number of Accounts1
Personal trust and agency accounts$5,164
Employee benefit-defined contribution accounts$5,163
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$1
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts20
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$3,231
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$3,231
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4 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
0257Holmes County Bank & Trust Company316 Court Square, Lexington, MS 39095January 01, 1932Full Service Brick and Mortar
1181523Goodman BranchMain Street, Goodman, MS 39079August 03, 1942Full Service Brick and Mortar
2181524Vaiden BranchLee Street, Vaiden, MS 39176April 21, 1934Full Service Brick and Mortar
3181525West BranchHighway 51, West, MS 39192August 03, 1942Full Service Brick and Mortar
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