The First National Bank of Oxford in Oxford, Mississippi (MS)
Overview, Financial Summary, Detailed Financial Reports, Branches

  • The First National Bank of Oxford in Oxford, Mississippi (MS)
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The First National Bank of Oxford - Overview

  • General
  • FDIC Certificate #: 5005
    Status: Active
    Federal Reserve ID: 590640
    Bank Holding Company (Regulatory Top Holder): First National Holding Company (RSSDID: 1097070, Location: Oxford, MS)
    Date Established: October 10, 1910
    Trust Powers Granted: Yes
    Bank Charter Class: Commercial bank, national (federal) charter and Fed member, supervised by the Office of the Comptroller of the Currency (OCC)
    Offices: 6 (Domestic: 6, Interstate: No)
    OTS Docket #: 11401
    FDIC's unique #: 3341
    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: 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: 1203 Jackson Avenue, Oxford, MS 38655
    County: Lafayette
    Quarterly Banking Profile Region: Dallas
    FDIC Geographic Region: Dallas
    FDIC Supervisory Region: Dallas
    FDIC Field Office: Memphis
    Office of the Comptroller the Currency (OCC) District: Southwest
    Office of Thrift Supervision Region: West
    Core Based Statistical Area (CBSA): Oxford, MS (#37060)
    CBSA Micro Statistical Area: Yes
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $235.5 mil
    Equity capital: $31.5 mil
    Deposits held in domestic offices: $202.8 mil
    Return on assets (ROA): 1.05% ($2.5 mil)
    Quarterly return on assets: 1.07% ($2.5 mil)
    Return on Equity (ROE): 8.26% ($2.6 mil)
    Quarterly return on equity: 8.00% ($2.5 mil)
    Net income: $2.6 mil
    Quarterly Net income: $0.6 mil
    Pretax return on assets: 1.27% ($2,991.3 mil)
    Quarterly Pretax return on assets: 1.11% ($2,614.4 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
  • 65Total employees (full-time equivalent)
  • $235,532Total assets
  • $22,223Cash and due from depository institutions
  • $8,139Interest-bearing balances
  • $88,213Securities
  • $1Federal funds sold & reverse repurchase agreements
  • $116,884Net loans & leases
  • $2,168Loan loss allowance
  • $0Trading account assets
  • $2,339Bank premises and fixed assets
  • $2,651Other real estate owned
  • $0Goodwill and other intangibles
  • $235,532Life insurance assets
  • $3,221All other assets
  • $204,080Total liabilities and capital
  • $202,782Total liabilities
  • $153,647Total deposits
  • $202,782Interest-bearing deposits
  • $87Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $0Trading liabilities
  • $0Other borrowed funds
  • $1,298Subordinated debt
  • $31,452All other liabilities
  • $31,452Total equity capital
  • $31,452Total bank equity capital
  • $0Perpetual preferred stock
  • $830Common stock
  • $8,000Surplus
  • $22,622Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,492Income earned, not collected on loans
  • $0Earning assets
  • $1,279Long-term assets (5+ years)
  • $213,237Average Assets, year-to-date
  • $49,163Average Assets, quarterly
  • $243,927Volatile liabilities
  • $238,463Insider loans
  • $132,378FHLB advances
  • $237,113Loans and leases held for sale
  • $0Unused loan commitments
  • $0Tier 1 (core) risk-based capital
  • $29,550Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $8,790Restructured Loans and leases
  • $2,547Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $10,454Total interest income
  • $1,428Total interest expense
  • $9,026Net interest income
  • $300Provision for loan and lease losses
  • $813Total noninterest income
  • $0Fiduciary activities
  • $736Service charges on deposit accounts
  • $0Trading account gains & fees
  • $77Additional noninterest income
  • $6,439Total noninterest expense
  • $3,891Salaries and employee benefits
  • $548Premises and equipment expense
  • $2,000Additional noninterest expense
  • $3,100Pre-tax net operating income
  • -$4Securities gains (losses)
  • $535Applicable income taxes
  • $2,561Income before extraordinary items
  • $0Extraordinary gains - net
  • $2,561Net income attributable to bank
  • $0Net charge-offs
  • $2,561Cash dividends
  • $182Sale, conversion, retirement of capital stock, net
  • $2,135Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 4.86%Yield on earning assets
  • 0.66%Cost of funding earning assets
  • 4.19%Net interest margin
  • 0.38%Noninterest income to earning assets
  • 2.99%Noninterest expense to earning assets
  • 1.05%Net operating income to assets
  • 1.05%Return on assets (ROA)
  • 1.27%Pretax return on assets
  • 8.26%Return on equity (ROE)
  • 1.37%Retained earnings to average equity (YTD only)
  • 0.15%Net charge-offs to loans
  • 164.84%Credit loss provision to net charge-offs
  • 18.68%Efficiency ratio
  • 65,444Assets per employee
  • 3.62%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 83.37%Loss allowance to loans
  • 1.82%Loss allowance to noncurrent loans
  • 145.31%Noncurrent assets plus other real estate owned to assets
  • 1.76%Noncurrent loans to loans
  • 1.25%Net loans and leases to deposits
  • 57.64%Net loans and leases to core deposits
  • 61.36%Equity capital to assets
  • 13.35%Core capital (leverage) ratio
  • 12.46%Tier 1 risk-based capital ratio
  • 22.32%Total risk-based capital ratio
  • Memoranda
  • $24Average assets
  • $243,927Average earning assets
  • $31,002Average equity
  • $215,236Average loans

List of branches

  • 6 Mississippi Branches as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    03341The First National Bank Of Oxford1203 Jackson Avenue, Oxford, MS 38655October 10, 1910Full Service Brick and Mortar
    1206392North Lamar Branch821 North Lamar Boulevard, Oxford, MS 38655Febuary 18, 1970Full Service Brick and Mortar
    2206393Medical Center Branch2149 South Lamar Boulevard, Oxford, MS 38655Febuary 15, 1974Full Service Brick and Mortar
    3206394University Branch1113 Highway 6 West, Oxford, MS 38655October 05, 1977Full Service Brick and Mortar
    5206396Azalea Gardens Branch100 Azalea Drive, Oxford, MS 38655August 12, 1997Full Service Brick and Mortar
    6496410First National Bank Of Tupelo Branch337 East Main Street, Suite B, Tupelo, MS 38804November 06, 2009Full Service Brick and Mortar

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