Newton County Bank in city_name, state_name - Detailed Financial Reports, Location

Newton County Bank in Newton, Mississippi (MS)
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Newton County Bank routing number info

Newton County Bank - Overview

General
FDIC Certificate #: 9367
Status: Active
Federal Reserve ID: 546432
Bank Holding Company (Regulatory Top Holder): Newton County Bancorporation, Inc. Employee Stock Ownership Plan (RSSDID: 1137556, Location: Newton, MS)
Date Established: September 04, 1912
WWW: http://www.newtoncountybank.com
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 6 (Domestic: 6, Interstate: No)
OTS Docket #: 10752
FDIC's unique #: 6016
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: Commercial Lending Specialization
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: 114 East Church Street, Newton, MS 39345
County: Newton
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: $154.5 mil
Equity capital: $18.7 mil
Deposits held in domestic offices: $133.0 mil
Return on assets (ROA): 0.82% ($1.3 mil)
Quarterly return on assets: 0.91% ($1.4 mil)
Return on Equity (ROE): 6.85% ($1.3 mil)
Quarterly return on equity: 7.51% ($1.4 mil)
Net income: $1.3 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.82% ($1,266.7 mil)
Quarterly Pretax return on assets: 0.91% ($1,405.8 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
43Total employees (full-time equivalent)
$154,479Total assets
$10,789Cash and due from depository institutions
$6,362Interest-bearing balances
$35,170Securities
$7,100Federal funds sold & reverse repurchase agreements
$92,866Net loans & leases
$1,070Loan loss allowance
$0Trading account assets
$1,316Bank premises and fixed assets
$73Other real estate owned
$0Goodwill and other intangibles
$154,479Life insurance assets
$7,165All other assets
$135,746Total liabilities and capital
$132,979Total liabilities
$112,373Total deposits
$132,979Interest-bearing deposits
$88Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,000Trading liabilities
$0Other borrowed funds
$1,767Subordinated debt
$18,733All other liabilities
$18,733Total equity capital
$18,733Total bank equity capital
$0Perpetual preferred stock
$500Common stock
$10,000Surplus
$8,233Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$919Income earned, not collected on loans
$0Earning assets
$842Long-term assets (5+ years)
$141,498Average Assets, year-to-date
$21,937Average Assets, quarterly
$152,785Volatile liabilities
$153,498Insider loans
$126,718FHLB advances
$152,627Loans and leases held for sale
$5,419Unused loan commitments
$5,419Tier 1 (core) risk-based capital
$19,431Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$0Restructured Loans and leases
$3,377Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$6,935Total interest income
$875Total interest expense
$6,060Net interest income
$157Provision for loan and lease losses
$1,423Total noninterest income
$0Fiduciary activities
$1,029Service charges on deposit accounts
$0Trading account gains & fees
$394Additional noninterest income
$5,639Total noninterest expense
$3,480Salaries and employee benefits
$936Premises and equipment expense
$1,223Additional noninterest expense
$1,687Pre-tax net operating income
-$437Securities gains (losses)
$0Applicable income taxes
$1,250Income before extraordinary items
$0Extraordinary gains - net
$1,250Net income attributable to bank
$0Net charge-offs
$1,250Cash dividends
$17Sale, conversion, retirement of capital stock, net
$600Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.96%Yield on earning assets
0.63%Cost of funding earning assets
4.33%Net interest margin
1.02%Noninterest income to earning assets
4.03%Noninterest expense to earning assets
1.10%Net operating income to assets
0.82%Return on assets (ROA)
0.82%Pretax return on assets
6.85%Return on equity (ROE)
3.56%Retained earnings to average equity (YTD only)
0.02%Net charge-offs to loans
923.53%Credit loss provision to net charge-offs
108.47%Efficiency ratio
75,357Assets per employee
3.59%Cash dividends to net income (YTD only)
Condition Ratios (%)
48.00%Loss allowance to loans
1.14%Loss allowance to noncurrent loans
116.43%Noncurrent assets plus other real estate owned to assets
3.85%Noncurrent loans to loans
0.98%Net loans and leases to deposits
69.84%Net loans and leases to core deposits
71.63%Equity capital to assets
12.13%Core capital (leverage) ratio
12.73%Tier 1 risk-based capital ratio
15.33%Total risk-based capital ratio
Memoranda
$16Average assets
$152,785Average earning assets
$18,236Average equity
$139,803Average 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
$119Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
9Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$119Other retirement accounts
$119Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

6 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	6016	Newton County Bank	114 East Church Street, Newton, MS 39345	September 04, 1912	Full Service Brick and Mortar
1	219998	Hickory Branch	Main Street, Hickory, MS 39332	September 02, 1943	Full Service Brick and Mortar
2	219999	Lake Branch	Front Street, Lake, MS 39092	March 17, 1944	Full Service Brick and Mortar
3	220000	Louin Branch	Highway 15 South (East Side), Louin, MS 39338	December 31, 1958	Full Service Brick and Mortar
4	220001	Scanlan Street Drive-In Branch	Scanlan And Richardson Streets, Newton, MS 39345	September 21, 1970	Limited Service Facility
6	452039	Highway 15 Branch	292 Eastside Drive, Newton, MS 39345	June 23, 2006	Full Service Brick and Mortar

Newton County Bank in Newton, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

Newton County Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Newton County Bank in Newton, Mississippi (MS)Overview, Financial Summary, Detailed Financial Reports, Branches

Newton County Bank - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

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

Newton County Bank in Newton, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches