The First National Bank of Pontotoc in city_name, state_name

The First National Bank of Pontotoc in Pontotoc, Mississippi (MS)
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The First National Bank of Pontotoc routing number info

The First National Bank of Pontotoc - Overview

General
FDIC Certificate #: 5006
Status: Active
Federal Reserve ID: 968744
Bank Holding Company (Regulatory Top Holder): Pontotoc Bancshares Corp. (RSSDID: 2524911, Location: Pontotoc, MS)
Date Established: January 01, 1900
WWW: http://www.1stnbpontotoc.com
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: 3 (Domestic: 3, Interstate: No)
OTS Docket #: 13028
FDIC's unique #: 3342
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: All Other Specialization < 1 Billion
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: 19 South Main Street, Pontotoc, MS 38863
County: Pontotoc
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): Tupelo, MS (#46180)
CBSA Micro Statistical Area: Yes
History of Changes
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $239.4 mil
Equity capital: $32.8 mil
Deposits held in domestic offices: $203.5 mil
Return on assets (ROA): 0.79% ($1.9 mil)
Quarterly return on assets: 0.77% ($1.8 mil)
Return on Equity (ROE): 5.82% ($1.9 mil)
Quarterly return on equity: 5.57% ($1.8 mil)
Net income: $1.9 mil
Quarterly Net income: $0.5 mil
Pretax return on assets: 0.96% ($2,297.8 mil)
Quarterly Pretax return on assets: 0.93% ($2,226.0 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
72Total employees (full-time equivalent)
$239,356Total assets
$23,689Cash and due from depository institutions
$12,283Interest-bearing balances
$105,806Securities
$0Federal funds sold & reverse repurchase agreements
$96,410Net loans & leases
$1,451Loan loss allowance
$0Trading account assets
$4,026Bank premises and fixed assets
$499Other real estate owned
$0Goodwill and other intangibles
$239,356Life insurance assets
$8,926All other assets
$206,579Total liabilities and capital
$203,513Total liabilities
$181,300Total deposits
$203,513Interest-bearing deposits
$82Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$1,805Trading liabilities
$0Other borrowed funds
$1,261Subordinated debt
$32,777All other liabilities
$32,777Total equity capital
$32,777Total bank equity capital
$0Perpetual preferred stock
$330Common stock
$21,000Surplus
$11,447Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,899Income earned, not collected on loans
$0Earning assets
$1,409Long-term assets (5+ years)
$214,499Average Assets, year-to-date
$79,200Average Assets, quarterly
$240,240Volatile liabilities
$238,496Insider loans
$117,574FHLB advances
$238,540Loans and leases held for sale
$5,070Unused loan commitments
$3,378Tier 1 (core) risk-based capital
$32,419Tier 2 risk-based capital
$0Total risk weighted assets
$1,692Total unused commitments
$7,583Restructured Loans and leases
$10Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$9,132Total interest income
$1,974Total interest expense
$7,158Net interest income
$0Provision for loan and lease losses
$1,739Total noninterest income
$0Fiduciary activities
$1,475Service charges on deposit accounts
$0Trading account gains & fees
$264Additional noninterest income
$6,584Total noninterest expense
$3,748Salaries and employee benefits
$861Premises and equipment expense
$1,975Additional noninterest expense
$2,313Pre-tax net operating income
$2Securities gains (losses)
$410Applicable income taxes
$1,905Income before extraordinary items
$0Extraordinary gains - net
$1,905Net income attributable to bank
$0Net charge-offs
$1,905Cash dividends
$319Sale, conversion, retirement of capital stock, net
$900Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.14%Yield on earning assets
0.90%Cost of funding earning assets
3.25%Net interest margin
0.79%Noninterest income to earning assets
2.99%Noninterest expense to earning assets
0.79%Net operating income to assets
0.79%Return on assets (ROA)
0.96%Pretax return on assets
5.82%Return on equity (ROE)
3.07%Retained earnings to average equity (YTD only)
0.32%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
7.25%Efficiency ratio
74,002Assets per employee
3.32%Cash dividends to net income (YTD only)
Condition Ratios (%)
47.24%Loss allowance to loans
1.48%Loss allowance to noncurrent loans
50.05%Noncurrent assets plus other real estate owned to assets
1.42%Noncurrent loans to loans
2.96%Net loans and leases to deposits
47.37%Net loans and leases to core deposits
53.57%Equity capital to assets
13.69%Core capital (leverage) ratio
13.59%Tier 1 risk-based capital ratio
27.57%Total risk-based capital ratio
Memoranda
$29Average assets
$240,240Average earning assets
$32,721Average equity
$220,485Average loans

List of branches

3 Mississippi Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type
0	3342	The First National Bank Of Pontotoc	19 South Main Street, Pontotoc, MS 38863	January 01, 1900	Full Service Brick and Mortar
1	206397	West Pontotoc Branch	Highway 15 North, Pontotoc, MS 38863	December 30, 1968	Full Service Brick and Mortar
3	423042	Pototoc Express Drive Thru Branch	158 Highway 15 North, Pontotoc, MS 38863	August 11, 2003	Limited Service Facility

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

The First National Bank of Pontotoc - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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

The First National Bank of Pontotoc - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

List of branches

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

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