State Bank & Trust Company in Greenwood, Mississippi (MS), LA, AL

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State Bank & Trust Company
GeneralFDIC Certificate #: 8878
Status: Active
Federal Reserve ID: 736448
Bank Holding Company (Regulatory Top Holder): State Bank & Trust Company Employee Stock Ownership Plan (RSSDID: 3131893, Location: Greenwood, MS)
Date Established: November 01, 1898
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 37 (Domestic: 37, Interstate: Yes)
OTS Docket #: 14790
FDIC's unique #: 5670
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: No
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: July 01, 2007
Last Structure Change Process Date: July 17, 2007
Last Data Update: July 17, 2007
Data Source Date: April 05, 2012
LocationAddress: 916 Highway 82 Bypass, Greenwood, MS 38930
County: Leflore
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): Greenwood, MS (#24900)
CBSA Micro Statistical Area: Yes
History of ChangesParticipated in Absorption/Consolidation/Merger
Financial SummaryTotal assets: $921.1 mil
Equity capital: $108.0 mil
Deposits held in domestic offices: $738.4 mil
Return on assets (ROA): 0.55% ($5.1 mil)
Quarterly return on assets: 0.62% ($5.7 mil)
Return on Equity (ROE): 4.60% ($5.0 mil)
Quarterly return on equity: 5.23% ($5.6 mil)
Net income: $5.1 mil
Quarterly Net income: $1.4 mil
Pretax return on assets: 0.80% ($7,368.4 mil)
Quarterly Pretax return on assets: 0.85% ($7,829.0 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)305
Total assets$921,053
Cash and due from depository institutions$20,261
Interest-bearing balances$318
Federal funds sold & reverse repurchase agreements$29,355
Net loans & leases$646,914
Loan loss allowance $7,231
Trading account assets$0
Bank premises and fixed assets$35,397
Other real estate owned$7,909
Goodwill and other intangibles$28,443
All other assets$35,913
Life insurance assets$921,053
Total liabilities and capital$812,344
Total liabilities$738,445
Total deposits$690,757
Interest-bearing deposits$738,445
Deposits held in domestic offices$86
% insured (estimated)25180.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$40,000
Other borrowed funds $0
Subordinated debt $8,719
All other liabilities $108,709
Total equity capital$107,970
Total bank equity capital$107,970
Perpetual preferred stock$0
Common stock$224
Undivided profits $29,662
Noncurrent loans and leases $739
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $8,710
Earning assets $1,058
Long-term assets (5+ years) $4,591
Average Assets, year-to-date $793,448
Average Assets, quarterly $171,846
Volatile liabilities $918,731
Insider loans $922,420
FHLB advances $718,271
Loans and leases held for sale $891,778
Unused loan commitments $23,316
Tier 1 (core) risk-based capital $18,854
Tier 2 risk-based capital $79,513
Total risk weighted assets $4,462
Total unused commitments $0
Restructured Loans and leases $61,924
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $42,928
Total interest expense $9,892
Net interest income $33,036
Provision for loan and lease losses $5,553
Total noninterest income $6,571
Fiduciary activities $0
Service charges on deposit accounts $5,609
Trading account gains & fees $0
Additional noninterest income $962
Total noninterest expense $27,904
Salaries and employee benefits $16,514
Premises and equipment expense $4,720
Additional noninterest expense $6,670
Pre-tax net operating income $6,150
Securities gains (losses) $1,213
Applicable income taxes $2,308
Income before extraordinary items $5,055
Extraordinary gains - net $0
Net income attributable to bank $5,055
Net charge-offs $0
Cash dividends $5,055
Sale, conversion, retirement of capital stock, net $3,779
Net operating income $5,000
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.46%
Cost of funding earning assets 1.26%
Net interest margin 4.20%
Noninterest income to earning assets 0.84%
Noninterest expense to earning assets 3.55%
Net operating income to assets 0.46%
Return on assets (ROA) 0.55%
Pretax return on assets 0.80%
Return on equity (ROE) 4.60%
Retained earnings to average equity (YTD only) 0.05%
Net charge-offs to loans 0.59%
Credit loss provision to net charge-offs 146.94%
Efficiency ratio3.10%
Assets per employee$69,829
Cash dividends to net income (YTD only)3.02%
Condition Ratios (%)
Loss allowance to loans 98.91%
Loss allowance to noncurrent loans 1.11%
Noncurrent assets plus other real estate owned to assets 83.02%
Noncurrent loans to loans 1.84%
Net loans and leases to deposits1.33%
Net loans and leases to core deposits 87.60%
Equity capital to assets 91.81%
Core capital (leverage) ratio 11.72%
Tier 1 risk-based capital ratio 8.92%
Total risk-based capital ratio 11.07%
Average assets$12
Average earning assets$918,731
Average equity $109,873
Average loans $786,010
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Total Fiduciary and Related Assets (December 31, 2004)
(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$2,769
Number of Accounts1
Personal trust and agency accounts$2,769
Employee benefit-defined contribution accounts$2,769
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Investment management agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
Non-managed Assets$0
Number of Accounts2
Personal trust and agency accounts$0
Employee benefit-defined contribution accounts$0
Employee benefit-defined benefit accounts$0
Other retirement accounts$0
Corporate trust and agency accounts$0
Other fiduciary accounts$0
Fiduciary accounts held in foreign offices$0
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4 Alabama Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
5211476The American Bank (Geneva) Branch201 South Commerce Street, Geneva, AL 36340August 26, 1955Full Service Brick and Mortar
55480388Mobile Branch1141 Montlimar Drive, Suite 3010, Mobile, AL 36609August 01, 2008Full Service Brick and Mortar
57495021Cottage Hill Branch7785 Cottage Hill Road, Mobile, AL 36695September 28, 2009Full Service Brick and Mortar
60520570Enterprise Loan Production Office557 Glover Avenue, Suite 4, Enterprise, AL 36330May 10, 2011Limited Service Loan Production
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10 Louisiana Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
3415446First Bank Branch665 Florida Street, Baton Rouge, LA 70801Febuary 18, 1976Full Service Brick and Mortar
35254262Eunice Branch151 South Fourth Street, Eunice, LA 70535April 06, 1999Full Service Brick and Mortar
36362882Highland Road Branch107 Founders Drive, Baton Rouge, LA 70810October 15, 2001Full Service Brick and Mortar
39440149New Roads Branch2600 False River Drive, New Roads, LA 70760May 02, 2005Full Service Brick and Mortar
40443343Denham Springs Branch923 South Range Avenue, Denham Springs, LA 70726August 08, 2005Full Service Brick and Mortar
47453841Mandeville Branch1700 Highway 59, Mandeville, LA 70448July 24, 2006Full Service Brick and Mortar
51464438Sherwood Forest Branch1939 South Sherwood Forest Bouelvard, Baton Rouge, LA 70816June 04, 2007Full Service Brick and Mortar
56486586Hammond BranchFagan Drive, Hammond, LA 70403December 15, 2008Full Service Brick and Mortar
58514529Slidell Lpo2040 Gause Boulevard East, Suite 10, Slidell, LA 70461November 18, 2010Limited Service Loan Production
59517238State Bank & Trust Slidell Loan Prod300 Gause Boulevard, Slidell, LA 70461November 22, 2010Limited Service Loan Production
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23 Mississippi Branches as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
05670State Bank & Trust Company916 Highway 82 Bypass, Greenwood, MS 38930November 01, 1898Full Service Brick and Mortar
3219098Rosedale Branch400 Main Street, Rosedale, MS 38769June 01, 1971Full Service Brick and Mortar
5219100Cleveland Branch100 Sunflower Road, Cleveland, MS 38732Febuary 25, 1985Full Service Brick and Mortar
8219103Ridgeland Branch414 Highway 51 North, Ridgeland, MS 39157June 30, 1989Full Service Brick and Mortar
15219107Grenada Branch1754 South Commerce Street, Grenada, MS 38901June 27, 1997Full Service Brick and Mortar
16219108Flowood Branch2845 Lakeland Drive, Flowood, MS 39232September 28, 1998Full Service Brick and Mortar
20219112West Park Avenue Branch - Greenwood500 West Park Avenue, Greenwood, MS 38935September 27, 1999Full Service Brick and Mortar
229728State Bank & Trust Company Branch147 South Railroad Avenue, Brookhaven, MS 39601August 01, 1936Full Service Brick and Mortar
23233922Drive-In Teller Window Branch846 East Monticello Street, Brookhaven, MS 39601June 28, 1973Limited Service Facility
24233923Brookhaven Branch600 Brookway Boulevard, Brookhaven, MS 39601September 26, 1988Full Service Brick and Mortar
25358625Mccomb Branch210 State Street, Mccomb, MS 39648June 23, 2000Full Service Brick and Mortar
27360848Monticello Branch332 Broad Street, Monticello, MS 39654July 16, 2001Full Service Brick and Mortar
315457Mississippi Southern Bank Branch609 Farmer Street, Port Gibson, MS 39150January 29, 1901Full Service Brick and Mortar
32418681Columbia Branch428 Sumrall Road, Columbia, MS 39429March 10, 2003Full Service Brick and Mortar
41450394State Bank & Trust Company, Mccomb Bank1028 Highway 51, Mccomb, MS 39648March 31, 2006Full Service Brick and Mortar
42451193Ridgeland Branch618 Crescent Boulevard, Suite 100, Ridgeland, MS 39157May 09, 2006Full Service Brick and Mortar
4315367Consumer National Bank Branch140 West Pearl Street, Jackson, MS 39202October 01, 1975Full Service Brick and Mortar
45254092Crossgates Branch332 Crossgates Boulevard, Brandon, MS 39042November 11, 1996Full Service Brick and Mortar
46431746Maywood Branch4678 I-55 North, Jackson, MS 39211March 22, 2004Full Service Brick and Mortar
49457617State Bank & Trust Company120 West Presley Blvd, Mccomb, MS 39648July 05, 2006Full Service Brick and Mortar
50461966Byram Bank Branch7375 Siwell Road, Byram, MS 39272April 02, 2007Full Service Brick and Mortar
53467481Cleveland Branch620 North Davis, Cleveland, MS 38732August 27, 2007Full Service Brick and Mortar
54473058Grenada Branch1663 Sunset Drive, Grenada, MS 38901March 03, 2008Full Service Brick and Mortar
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