Pike National Bank in Mccomb, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • Pike National Bank in Mccomb, Mississippi (MS)
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Pike National Bank - Overview

  • General
  • FDIC Certificate #: 26379
    Status: Active
    Federal Reserve ID: 880332
    Bank Holding Company (Regulatory Top Holder): Pcnb Corp. (RSSDID: 3447428, Location: Mccomb, MS)
    Date Established: September 30, 1985
    WWW: http://www.pnb-ms.net
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 11 (Domestic: 11, Interstate: No)
    OTS Docket #: 11982
    FDIC's unique #: 32981
    Numeric code: 3
    Regulator: OCC
    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: No
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Commercial Lending Specialization
    Date of Deposit Insurance: September 30, 1985
    Last Structure Change Effective Date: Febuary 01, 2007
    Last Structure Change Process Date: March 29, 2007
    Last Data Update: March 29, 2007
    Data Source Date: April 05, 2012
  • Location
  • Address: 350 Rawls Drive, Mccomb, MS 39648
    County: Pike
    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): McComb, MS (#32620)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Name Change
  • Financial Summary
  • Total assets: $206.6 mil
    Equity capital: $25.6 mil
    Deposits held in domestic offices: $156.6 mil
    Return on assets (ROA): 0.91% ($1.9 mil)
    Quarterly return on assets: 1.23% ($2.5 mil)
    Return on Equity (ROE): 7.63% ($2.0 mil)
    Quarterly return on equity: 10.10% ($2.6 mil)
    Net income: $1.9 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.31% ($2,706.8 mil)
    Quarterly Pretax return on assets: 1.43% ($2,954.8 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
  • 106Total employees (full-time equivalent)
  • $206,627Total assets
  • $14,914Cash and due from depository institutions
  • $9,666Interest-bearing balances
  • $48,827Securities
  • $2,025Federal funds sold & reverse repurchase agreements
  • $120,282Net loans & leases
  • $1,700Loan loss allowance
  • $0Trading account assets
  • $9,294Bank premises and fixed assets
  • $5,638Other real estate owned
  • $150Goodwill and other intangibles
  • $206,627Life insurance assets
  • $5,497All other assets
  • $181,014Total liabilities and capital
  • $156,571Total liabilities
  • $122,782Total deposits
  • $156,571Interest-bearing deposits
  • $83Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $21,459Trading liabilities
  • $0Other borrowed funds
  • $2,984Subordinated debt
  • $25,613All other liabilities
  • $25,613Total equity capital
  • $25,613Total bank equity capital
  • $0Perpetual preferred stock
  • $2,602Common stock
  • $4,743Surplus
  • $18,268Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $2,460Income earned, not collected on loans
  • $0Earning assets
  • $895Long-term assets (5+ years)
  • $180,800Average Assets, year-to-date
  • $53,647Average Assets, quarterly
  • $208,382Volatile liabilities
  • $210,742Insider loans
  • $135,850FHLB advances
  • $211,418Loans and leases held for sale
  • $1,041Unused loan commitments
  • $1,041Tier 1 (core) risk-based capital
  • $24,926Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $5,280Restructured Loans and leases
  • $1,014Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $12,581Total interest income
  • $2,781Total interest expense
  • $9,800Net interest income
  • $631Provision for loan and lease losses
  • $2,462Total noninterest income
  • $0Fiduciary activities
  • $1,255Service charges on deposit accounts
  • $0Trading account gains & fees
  • $1,207Additional noninterest income
  • $9,223Total noninterest expense
  • $4,869Salaries and employee benefits
  • $1,529Premises and equipment expense
  • $2,825Additional noninterest expense
  • $2,408Pre-tax net operating income
  • $332Securities gains (losses)
  • $850Applicable income taxes
  • $1,890Income before extraordinary items
  • $0Extraordinary gains - net
  • $1,890Net income attributable to bank
  • $0Net charge-offs
  • $1,890Cash dividends
  • $731Sale, conversion, retirement of capital stock, net
  • $688Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 6.89%Yield on earning assets
  • 1.52%Cost of funding earning assets
  • 5.37%Net interest margin
  • 1.35%Noninterest income to earning assets
  • 5.05%Noninterest expense to earning assets
  • 0.80%Net operating income to assets
  • 0.91%Return on assets (ROA)
  • 1.31%Pretax return on assets
  • 7.63%Return on equity (ROE)
  • 4.85%Retained earnings to average equity (YTD only)
  • 0.60%Net charge-offs to loans
  • 86.32%Credit loss provision to net charge-offs
  • 4.16%Efficiency ratio
  • 75,216Assets per employee
  • 1.95%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 36.40%Loss allowance to loans
  • 1.39%Loss allowance to noncurrent loans
  • 69.11%Noncurrent assets plus other real estate owned to assets
  • 3.92%Noncurrent loans to loans
  • 2.02%Net loans and leases to deposits
  • 76.82%Net loans and leases to core deposits
  • 82.85%Equity capital to assets
  • 12.40%Core capital (leverage) ratio
  • 11.79%Tier 1 risk-based capital ratio
  • 18.35%Total risk-based capital ratio
  • Memoranda
  • $20Average assets
  • $208,382Average earning assets
  • $24,768Average equity
  • $182,509Average loans

List of branches

  • 11 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    032981Pike National Bank350 Rawls Drive, Mccomb, MS 39648September 30, 1985Full Service Brick and Mortar
    2259256South Broadway Branch628 South Broadway, Mccomb, MS 39648July 15, 1991Limited Service Facility
    3259257Pikco Mccomb Branch352 Rawls Drive, Mccomb, MS 39648March 15, 1993Limited Service Consumer Credit
    4259258Pikco Meridian Branch802 23rd Avenue, Meridian, MS 39301March 01, 1994Limited Service Consumer Credit
    5259259Pikco Finance Philadelphia Branch1120 East Main Street, Suite 15, Philadelphia, MS 39350July 25, 1994Limited Service Consumer Credit
    6259260Pikco Brookhaven Branch203 Highway 51 North, Brookhaven, MS 39601April 03, 1995Limited Service Consumer Credit
    7259261Pikco Petal Branch501 New Richton Road, Petal, MS 39465April 03, 1995Limited Service Consumer Credit
    8259262Magnolia Branch1006 Highway 48 East, Magnolia, MS 39652November 11, 1996Limited Service Facility
    9358229Walthall County Division Branch1207 Beulah Avenue, Tylertown, MS 39667September 10, 2000Full Service Brick and Mortar
    10447427Veterans Boulevard Branch1808 Pikes Point Circle, Mccomb, MS 39648November 28, 2005Limited Service Facility
    11463397Brookhaven Branch702 Highway 51 North, Brookhaven, MS 39601April 16, 2007Full Service Brick and Mortar

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