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

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The First National Bank of Oxford routing number info

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The First National Bank of Oxford
GeneralFDIC 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
LocationAddress: 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 ChangesMerge BIF and SAIF Funds into DIF
Financial SummaryTotal 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)
Total employees (full-time equivalent)65
Total assets$235,532
Cash and due from depository institutions$22,223
Interest-bearing balances$8,139
Federal funds sold & reverse repurchase agreements$1
Net loans & leases$116,884
Loan loss allowance $2,168
Trading account assets$0
Bank premises and fixed assets$2,339
Other real estate owned$2,651
Goodwill and other intangibles$0
All other assets$3,221
Life insurance assets$235,532
Total liabilities and capital$204,080
Total liabilities$202,782
Total deposits$153,647
Interest-bearing deposits$202,782
Deposits held in domestic offices$87
% insured (estimated)0.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$0
Other borrowed funds $0
Subordinated debt $1,298
All other liabilities $31,452
Total equity capital$31,452
Total bank equity capital$31,452
Perpetual preferred stock$0
Common stock$830
Undivided profits $22,622
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $1,492
Earning assets $0
Long-term assets (5+ years) $1,279
Average Assets, year-to-date $213,237
Average Assets, quarterly $49,163
Volatile liabilities $243,927
Insider loans $238,463
FHLB advances $132,378
Loans and leases held for sale $237,113
Unused loan commitments $0
Tier 1 (core) risk-based capital $0
Tier 2 risk-based capital $29,550
Total risk weighted assets $0
Total unused commitments $0
Restructured Loans and leases $8,790
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $10,454
Total interest expense $1,428
Net interest income $9,026
Provision for loan and lease losses $300
Total noninterest income $813
Fiduciary activities $0
Service charges on deposit accounts $736
Trading account gains & fees $0
Additional noninterest income $77
Total noninterest expense $6,439
Salaries and employee benefits $3,891
Premises and equipment expense $548
Additional noninterest expense $2,000
Pre-tax net operating income $3,100
Securities gains (losses) -$4
Applicable income taxes $535
Income before extraordinary items $2,561
Extraordinary gains - net $0
Net income attributable to bank $2,561
Net charge-offs $0
Cash dividends $2,561
Sale, conversion, retirement of capital stock, net $182
Net operating income $2,135
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets4.86%
Cost of funding earning assets 0.66%
Net interest margin 4.19%
Noninterest income to earning assets 0.38%
Noninterest expense to earning assets 2.99%
Net operating income to assets 1.05%
Return on assets (ROA) 1.05%
Pretax return on assets 1.27%
Return on equity (ROE) 8.26%
Retained earnings to average equity (YTD only) 1.37%
Net charge-offs to loans 0.15%
Credit loss provision to net charge-offs 164.84%
Efficiency ratio18.68%
Assets per employee$65,444
Cash dividends to net income (YTD only)3.62%
Condition Ratios (%)
Loss allowance to loans 83.37%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 145.31%
Noncurrent loans to loans 1.76%
Net loans and leases to deposits1.25%
Net loans and leases to core deposits 57.64%
Equity capital to assets 61.36%
Core capital (leverage) ratio 13.35%
Tier 1 risk-based capital ratio 12.46%
Total risk-based capital ratio 22.32%
Average assets$24
Average earning assets$243,927
Average equity $31,002
Average loans $215,236
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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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