Holmes County Bank & Trust Company in Lexington, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches


Holmes County Bank & Trust Company - Overview

  • General
  • FDIC 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
  • Location
  • Address: 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 Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total 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
  • 28Total employees (full-time equivalent)
  • $116,213Total assets
  • $5,319Cash and due from depository institutions
  • $161Interest-bearing balances
  • $22,149Securities
  • $18,946Federal funds sold & reverse repurchase agreements
  • $62,018Net loans & leases
  • $2,041Loan loss allowance
  • $0Trading account assets
  • $1,595Bank premises and fixed assets
  • $687Other real estate owned
  • $0Goodwill and other intangibles
  • $116,212Life insurance assets
  • $5,499All other assets
  • $103,129Total liabilities and capital
  • $101,186Total liabilities
  • $84,977Total deposits
  • $101,186Interest-bearing deposits
  • $88Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,943Subordinated debt
  • $13,083All other liabilities
  • $13,083Total equity capital
  • $13,083Total bank equity capital
  • $0Perpetual preferred stock
  • $440Common stock
  • $3,335Surplus
  • $9,308Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $3,310Income earned, not collected on loans
  • $0Earning assets
  • $1,031Long-term assets (5+ years)
  • $103,274Average Assets, year-to-date
  • $15,743Average Assets, quarterly
  • $123,573Volatile liabilities
  • $116,556Insider loans
  • $77,539FHLB advances
  • $115,592Loans and leases held for sale
  • $3,809Unused loan commitments
  • $2,933Tier 1 (core) risk-based capital
  • $12,966Tier 2 risk-based capital
  • $876Total risk weighted assets
  • $0Total unused commitments
  • $6,624Restructured Loans and leases
  • $625Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $5,545Total interest income
  • $1,079Total interest expense
  • $4,466Net interest income
  • $850Provision for loan and lease losses
  • $967Total noninterest income
  • $4Fiduciary activities
  • $711Service charges on deposit accounts
  • $0Trading account gains & fees
  • $252Additional noninterest income
  • $3,803Total noninterest expense
  • $1,839Salaries and employee benefits
  • $245Premises and equipment expense
  • $1,719Additional noninterest expense
  • $780Pre-tax net operating income
  • $0Securities gains (losses)
  • $0Applicable income taxes
  • $780Income before extraordinary items
  • $0Extraordinary gains - net
  • $780Net income attributable to bank
  • $0Net charge-offs
  • $780Cash dividends
  • $342Sale, conversion, retirement of capital stock, net
  • $231Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.20%Yield on earning assets
  • 1.01%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.91%Noninterest income to earning assets
  • 3.56%Noninterest expense to earning assets
  • 0.63%Net operating income to assets
  • 0.63%Return on assets (ROA)
  • 0.63%Pretax return on assets
  • 6.18%Return on equity (ROE)
  • 4.35%Retained earnings to average equity (YTD only)
  • 0.47%Net charge-offs to loans
  • 248.54%Credit loss provision to net charge-offs
  • 4.77%Efficiency ratio
  • 68,894Assets per employee
  • 4.15%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 29.62%Loss allowance to loans
  • 3.19%Loss allowance to noncurrent loans
  • 61.66%Noncurrent assets plus other real estate owned to assets
  • 3.44%Noncurrent loans to loans
  • 5.17%Net loans and leases to deposits
  • 61.29%Net loans and leases to core deposits
  • 66.09%Equity capital to assets
  • 11.26%Core capital (leverage) ratio
  • 11.22%Tier 1 risk-based capital ratio
  • 16.72%Total risk-based capital ratio
  • Memoranda
  • $18Average assets
  • $123,573Average earning assets
  • $12,630Average equity
  • $106,692Average loans

Total Fiduciary and Related Assets (December 31, 2011)

  • Dollar figures in thousands
  • $1Total fiduciary and related assets
  • 1Number of Fiduciary Accounts and Related Asset Accounts
  • YesFiduciary powers granted
  • YesFiduciary or related activity
  • $8,395Managed Assets
  • 1Number of Accounts
  • $5,164Personal trust and agency accounts
  • $5,163Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $0Other retirement accounts
  • $0Corporate trust and agency accounts
  • $1Investment management agency accounts
  • $0Other fiduciary accounts
  • $0Fiduciary accounts held in foreign offices
  • $0Non-managed Assets
  • 20Number of Accounts
  • $0Personal trust and agency accounts
  • $0Employee benefit-defined contribution accounts
  • $0Employee benefit-defined benefit accounts
  • $3,231Other retirement accounts
  • $0Corporate trust and agency accounts
  • $0Other fiduciary accounts
  • $3,231Fiduciary accounts held in foreign offices

List of branches

  • 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

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

CAPTCHA

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