Natchez First Federal Savings Bank in Natchez, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

This bank is inactive as of July 12, 1993

  • Natchez First Federal Savings Bank in Natchez, Mississippi (MS)
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Natchez First Federal Savings Bank - Overview

  • General
  • FDIC Certificate #: 28130
    Status: Inactive
    Closing history: Merger - Without Assistance
    Acquiring institution: Britton & Koontz Bank, N.A. (#4995)
    Federal Reserve ID: 996578
    Date Established: January 01, 1884
    Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
    OTS Docket #: 947
    FDIC's unique #: 40964
    Numeric code: 34
    Regulator: OTS
    Insurance Fund Membership: Savings Association Insurance Fund (SAIF)
    FDIC Insured: Yes
    SAIF Insured: Yes
    Insured Savings Institution: Yes
    State Chartered: No
    Date of Deposit Insurance: July 19, 1937
    Last Structure Change Effective Date: July 12, 1993
    Last Structure Change Process Date: July 21, 1993
    Last Data Update: July 21, 1993
    Data Source Date: April 05, 2012
  • Location
  • Address: 115 South Pearl Street, Natchez, MS 39120
    County: Adams
    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): Natchez, MS-LA (#35020)
    CBSA Micro Statistical Area: Yes
  • Financial Summary
  • Total assets: $48.6 mil

Assets and Liabilities (December 31, 1992)

  • Dollar figures in thousands
  • 0Total employees (full-time equivalent)
  • $15Total assets
  • $49,542Cash and due from depository institutions
  • $2,292Interest-bearing balances
  • $1,852Securities
  • $9,180Federal funds sold & reverse repurchase agreements
  • $0Net loans & leases
  • $36,440Loan loss allowance
  • $47Trading account assets
  • $0Bank premises and fixed assets
  • $535Other real estate owned
  • $76Goodwill and other intangibles
  • $1,019Life insurance assets
  • $0All other assets
  • $0Total liabilities and capital
  • $49,542Total liabilities
  • $47,019Total deposits
  • $46,838Interest-bearing deposits
  • $46,187Deposits held in domestic offices
  • 46838.00%% insured (estimated)
  • $98Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $0Subordinated debt
  • $0All other liabilities
  • $181Total equity capital
  • $181Total bank equity capital
  • $2,523Perpetual preferred stock
  • $0Common stock
  • $0Surplus
  • $0Undivided profits
  • Memoranda
  • $2,523Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $106Income earned, not collected on loans
  • $266Earning assets
  • $47,472Long-term assets (5+ years)
  • $0Average Assets, year-to-date
  • $50,633Average Assets, quarterly
  • $50,171Volatile liabilities
  • $3,298Insider loans
  • $0FHLB advances
  • $0Loans and leases held for sale
  • $0Unused loan commitments
  • $357Tier 1 (core) risk-based capital
  • $0Tier 2 risk-based capital
  • $2,523Total risk weighted assets
  • $20,985Total unused commitments
  • $0Restructured Loans and leases
  • $0Derivatives

Income and Expense (December 31, 1992)

  • Dollar figures in thousands
  • $0Total interest income
  • $4,120Total interest expense
  • $2,577Net interest income
  • $1,543Provision for loan and lease losses
  • $20Total noninterest income
  • $225Fiduciary activities
  • $0Service charges on deposit accounts
  • $0Trading account gains & fees
  • $0Additional noninterest income
  • $225Total noninterest expense
  • $971Salaries and employee benefits
  • $410Premises and equipment expense
  • $174Additional noninterest expense
  • $387Pre-tax net operating income
  • $777Securities gains (losses)
  • $30Applicable income taxes
  • $128Income before extraordinary items
  • $679Extraordinary gains - net
  • $0Net income attributable to bank
  • $679Net charge-offs
  • $0Cash dividends
  • $0Sale, conversion, retirement of capital stock, net
  • $0Net operating income

Performance and Condition Ratios (December 31, 1992)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 0.00%Yield on earning assets
  • 8.47%Cost of funding earning assets
  • 5.30%Net interest margin
  • 3.17%Noninterest income to earning assets
  • 0.46%Noninterest expense to earning assets
  • 2.00%Net operating income to assets
  • 1.29%Return on assets (ROA)
  • 1.34%Pretax return on assets
  • 1.59%Return on equity (ROE)
  • 31.73%Retained earnings to average equity (YTD only)
  • 31.73%Net charge-offs to loans
  • 0.00%Credit loss provision to net charge-offs
  • 0.00%Efficiency ratio
  • 54,921Assets per employee
  • 3.30%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 0.00%Loss allowance to loans
  • 0.13%Loss allowance to noncurrent loans
  • 44.34%Noncurrent assets plus other real estate owned to assets
  • 0.24%Noncurrent loans to loans
  • 0.29%Net loans and leases to deposits
  • 77.80%Net loans and leases to core deposits
  • 83.69%Equity capital to assets
  • 5.09%Core capital (leverage) ratio
  • 5.09%Tier 1 risk-based capital ratio
  • 12.02%Total risk-based capital ratio
  • Memoranda
  • $12Average assets
  • $50,633Average earning assets
  • $2,140Average equity
  • $48,658Average loans

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